Now were talking! Beautifully played my friend and huge congrats! Welcome to the NFCU family!

Have they offered you any other products?

@@guillermorodriguez9176 yes, I also have the More Rewards at 25k as well. I got that card about 3 months later.

Thanks for sharing this story! We made a dedicated video on your journey with them and published on channel, not sure if you ever saw it!

@@WalletMonkeys no I didn't but maybe I didn't realize it was me

@@sinned96 🤣🤣yes sir you're in there

@Wallet Monkey I found it. I don't know how I missed it I usually watch all your stuff I get notifications. Probably got busy at work and try to stay off my phone that night

BOOM! Huge congrats!

Awesome, and inspiring! I was unemployed during Covid, and that really screwed my credit up, because I was practically living on it. I opened up my Navy Federal account. Barely 2 weeks ago, part of my direct deposit is going to go into the flagship checking (will eat the fees until I build up the $1500) opened up a savings certificate, thing, and a few days after Opening the account I signed up for the end secure card with a $200 limit. I’m gonna do everything in my power in the next 3 to 4 weeks to boost myself up, I’m hoping I can have the same odds as you did where in just barely under a month, you got access to their unsecured credit cards. Congrats!

@@munky826 How has your strategy been working out? I’ve been a NFCU member for about 9 months. Been doing the gardening thing. Almost ready to pull the trigger on some applications. But I find it helpful to hear what other people in similar situations as myself have experienced.

BOOM! Congrats!

You have to get “approved” for the FS CHECKING?!? Do they pull your credit just to open a checking account?? I currently have the EZ checking and several other accounts, but I’m interested in the FS checking. Didn’t know that you had to “be approved” just for the checking account. 🤷‍♀️

Low score or not there are places that can repair your bad reports and approve youforloans, you just got to have the right info thats all. Knowledge is key

@@schukerD Oh really? Where? whats their name please thanks

@@ZobeidaHanderhan CREDIT ----- MIRAGE.

@@schukerD I think I heard of them before. Thanks I appreciate it

Hell ya! Letss gooooo

Good to know, haven't seen that before and congrats on the approval!

Thanks for watching!

Impressive. I have a business where we purchase lines like yours with interest so I work with a few clients that have large lines and Navy Federal definitely is a great start or in general a good union. I have had a few clients see reductions in their lines but overall they still offer products that are quite useful of used responsibly.

you rock it!!!!!!! i love that yeah! i just opened my account with Navy Fed i pray for the same favor that you got. God Bless

how can I do this too ???

@@mrsanzaru369 join Navy Federal and apply

There is noting impressive about this please explain how he has 80k debt and getting loans still

Thanks for watching!

Glad you watched and getting so much value from all this, that is exactly why we created it! Looking forwards to see you crush it this next year!

😅 that's a good one

🤣🤣🤣🤣🤣🤣

Wow thank you sir!

😮😮😮

That's awesome to hear! What starting limit and APR?

@@WalletMonkeys it is for 16% and 500. He is in college right now. I think that is plenty for him.

Yeah it’s not accurate.

Thanks for watching!

BOOM! Huge congrats!

@@WalletMonkeys how do I become a member of Navy Federal if I'm not a member of the military

@@kingmae3808 You might be able to get in on the household thing, but you would have to read up on that, they tell you on NFCU website how you can qualify

Thanks we put a lot of time into the content so its good to see it so well received!

Thanks for watching!

Dedication 💪🏾 same here

@@robertpaidprice This how I know you guys gonna crush this year! The more you watch consolidated data like that the more your brain starts to put the pieces together in the underlying patterns, nothing but benefits you ask me!

Thanks for watching! Good to see you back in the game already!

Nice! congrats on that, ya get membership setup first and then double check the prequal to make sure, but if you got a targeted offer in mail then its great odds

There is, watch all the case studies, there was 3-4 with around $60k stated income that got $20k limits (not sure if that is a huge limit in your eyes), they had anywhere from a few hundred to a few thousand they used to garner more transactional data with pledge loans etc

@@WalletMonkeys I did end up watching the entire video and saw at least one that was more like myself without deposits of $120k... 😁 I just like to see stats for people that don't have tons of money just laying around. Gives me hope and I'm glad I amd with NFCU after watching your channel! Thanks brother!

@@shojus Ya I don't think I mentioned it on a few of them but there is a good 3-4 of them that were like that, so there is plenty of hope for you my friend!

I'll have to wat h those. I make $60k so I'm also a member of NFCU. Rebuilding I have a thin profile and my highest is 3,100.00. 2 CC's

I don't really see how an average person, with average income can get real high Credit Limits, because how are they going to pay for the credit?

Yep there 100% was, it was one way in 2021-early 2022 and then seems to have changed and now I don't even know if it matters at all. You will get capped one way or the other if you at max exposure with them

Yes sir, congrats on your success so far!

Okay I am gardening and I had a pledge loan that is paid off. I do have activity in my checking because I pay a loan with another bank with it. So I will getting a new pledge loan and get an IRA and renew my certificate and start a business checking and savings. I have the Go Rewards first card was 7k and increased to 14k in November. Since I am gardening for 5/24 I will ask for the CLI again, and prepare to get the Flagship next year when my inquiries fall off. I will have 3 left by fall. I cleaning up my credit with the the last 2 items.

Totally down, have limited data on them at the moment, so will take time to build up

BOOM! Congrats

Great question, its hard to say with no data on your profile. They will take stated income, DTI and utilization into consideration.

@@WalletMonkeys$ 94,250 SI, practically no DTI because I have no debt besides $650 house rent and 0% utilization at all times ,I paid 97% of my pledge loans the day after I got them

Can't ask for much more in terms of profile health, I have seen people run through the rankings to max exposure in 12 months so if you thinking its all going too quick and that has you spooked don't because clearly that isn't a factor. You just have to decide if HP worth it if they deny you, could wait, nothing wrong with that and check prequal tool too. Let me know how it goes!

What’s some other KZfaqrs you been studying ? I’m trying to grow my knowledge on this credit stuff too

BOOM! Congrats!

can you explain more please? Not following the linear path you said.

@@artkoster6106 I’m saying you don’t exactly have to do all this stuff for you to get approved for this limit. I am at a lower earnings than my friend but had a healthy long term relationship with navy fed and got approved for the 25k limit with ok credit ( I think it was something like a 670 ) where as my housemate with what is considered perfect credit signed up for navy fed once I learned I could sponsor him and with his good credit score, five bucks in the savings that was required when opening the account, and the account existing for a grand total of 10 minutes he applied for the same card and also got approved for the same amount. I’m not exactly sure what triggers it and what doesn’t. His wife also signed up and she tried the same thing and only got approved for 5k and her situation is similar to mine as far as credit goes but her relationship with navy fed was also new when she applied where I had been a member for over five years, had and paid back multiple loans through them, and have used them as my main bank that whole time without ever having late payments or overdrafts. I currently have a flagship account so maybe in my case where I have all of that to boost my internal member score it helps me get better offers from them over her who has a similar credit history as me but also doesn’t have the relationship and her partner who has great credit was able to also get approved implying that the internal score only matters if you have less than perfect credit. I think the way it works is it’s a boost system to get you into a higher bucket if you are familiar with the bucket system of capital one.

Also I am sorry if that is also hard to follow, I am really tired and am typing on a phone so please forgive 😅🤣

@@ron2291 Understandable...but could you share more info detail please ?

Interesting, that is pretty good starting limit! Congrats on that

BOOM! Way to focus in! Actually the whole CLI or 2nd card thing first seems to not matter now as much as it did back then, so I would say its more so dealers choice now

yep looks like you near your soft max cap for now (the $1k CLI and then denial right after tells me that), build out those vehicles like you said and you should have better luck next time you app

That was the play outlined in that video ya, building internal datapoints/transactional history with NFCU alongside clearing up credit cards and lowering utilization, getting installment loans is fine and actually helps thicken up a credit profile- just don't go getting one from like Prosper which has really high APR. Credit Unions tend to have lowest APRs.

Hey congrats! Man that video covers so much of the game with NFCU, I would just say join the discord if you got specific questions etc about your situation

Great question, it seemed to change from one video to the next and now i would say it doesnt matter which one first, because we have gotten hundreds of data points on this now, people going new card first and then cli and vise versa, the data is muddy now as i said it doesnt seem to matter. I still do new card and then cli

@@WalletMonkeys Thanks brother 🙏🏽, I’ll do card then cli🫡

Good eye

Need any sort of ACH so there are several ways I think you could do that, just transfer from one account to another via ach and schedule up every month. You could go all the way to setting up LLC, depo cash to llc bank account and then again schedule up ach to your personal checking. Lets see what other ideas people have

@@WalletMonkeys Sounds interesting... Thanks for your super fast reply and input and I'll be looking forward to others with their suggestions ! Thanks again !

@@WalletMonkeyswhat about having your LLC setup with another bank then Zelle your money to your navy fed account would that be fine ?

Yeah they started me with a visa signature cash rewards for 12k , I just want sure if my CLI last week would hinder me or that my 1st card is only 3months old, I remember you saying it was very rare for that other individual to get the 79k and 3 cards in 12months. I think I'm going to try it anyway in a couple days when I get my free trial on Experian app lol ,it's the only way to see my updated TU fico 8 for free ,I'm pretty sure it's in the 800s now . Thanks for your insights, friendly advice and data points man, your awesome.

@@mattdeskins3279 they use TransUnion FICO 9 for credit cards and Equifax FICO 9 for credit limit increases

@@sinned96 I'm not sure about the fico 9 TU for credit cards because only my FICO 8 TU shows the hard pull

@@mattdeskins3279 where are you seeing they pulled FICO 8? Whenever I see a hard pull on my credit reports it doesn't tell me what score they used it just tells me there was a hard pull on my credit

the hard inquire posted about an hour after I applied. I primarily use the Experian app which only offers information on the FICO 8 on all 3 bureaus but, it also shows up it also shows up as a hard inquiry on Credit karma. I can see my Equifax 9 report through my Navy Fed app and my Experian FICO 9 score through my Wells Fargo app, I have not found a place to see my TransUnion FICO 9

BOOM! Congrats that is max CLI amount right now

How did you request increase on app? I see where you can apply but not product change or limit increase

This is over an hour of all the videos we uploaded to the channel since 2021, keep that in mind please. 1. I never said any of those cards would have an $80k limit, I said max exposure across all 3 cards is $80k. 2. Didn't know max per card is $50k, thank you for sharing 3. Household eligibility section was copy/pasted from the NFCU website at the time, that video you are referencing is from 2021 or 2022, I just looked on the website and its different now, it used to say something like household members (roomate) should be contributing to monthly rent 4. Never said there was prequal for CLIs, please point out timestamp 5. Not sure if I made comments on min of secured cards but thanks for clarity, again that original guide video might be old 6. Thanks for info on checking, not sure I mentioned that but good clarity 7. We debated the late night hack as well, think no matter what you say some people will swear up and down it worked, others won't. Everytime its discussed its heavily debated

“You ought to take your energy back to the [mail room] where you work.”

@@floridaproductions 🤣brutal

I think your videos are good just some details were wrong. That's all I'm saying. It makes a difference because people watch videos like these and come to the branch with unrealistic expectations. Not trying to offend at all. No ill intent.

@U.S.A. Bro shut your mouth. I speak on what I know. I know these products better than anyone on this channel. Try me I dare you. But again not trying to offend the content creator at all. But wrong is wrong and like I told him the videos are pretty good its just some details we're incorrect. If you didn't like the comment than go bank somewhere else and you won't have to hear me correct you or anybody else. You good now? You are a nobody so keep that negative energy to yourself. Got me!

Ya could've been, we weren't the first to cover it but I think that video did get a lot of views

You can do both CLI and 2nd card on same day

Watch this entire video, you missing the keypoint. Something about your profile they don't like still so I would do the following 1. Ask for reconsideration- think this is done through message center and they will tell you flat out if you reached soft cap max exposure 2. Also ask for internal score or look for it on back of denial letter you get 3. If you rebuilding (sounds like you are) then need to increase transactional history with them, get more products flowing with them like we mention in all the sections of this video, DD, money markets, saver accounts, pledge loans etc and build that up- then go back for CLI

After the first CLI 91/3 you have to wait 6 months for any future CL increases.

Do some sort of ACH into your NFCU account

My internal score is 305

91/3 on CLIs and additional cards

I ran into this issue as well, I had to dig back into historical records and find it but it worked. As long as you tell them the details, they are pretty open- meaning I didn't even have the proof back yet and they setup account and were fine with it.

Call them and tell them your father was in the military. They did not even ask for my grandfather’s name 😳

You clearly didn't watch the video

That is a horrible idea, you are asking people to put their account at risk for you

@@WalletMonkeys That's not my intention - I was looking more towards a friend referral that I heard NFCU is offering and wasn't sure if it has anything to do with putting anyone's account at risk, but if that's the case - I apologize for my ignorance.

Hey no worries, thanks for response

Hahaha very salty, keep that energy!

And hes full of shit bad information

Which way?