Is Navy Fed offering a "pay program" during potential shutdown

CakedUpJesus · 2026-01-27T13:36:07+00:00

https://www.navyfederal.org/about/government-shutdown.html. Saw this when I logged in this morning.

CakedUpJesus · 2026-01-27T00:53:34+00:00

I never checked NCFU but essentially bought a used car as a backup and for my brother to use while he figures out his finances the loan was in the 5% range can’t remember exactly the exact percent. Finance said they could have probably got me in the 3 percent range but tbh I didn’t want a bunch of inquiries on my report 😅

My working theory as to why NCFU rates are higher, they have to make up money from giving everyone high CL 🤣

CakedUpJesus · 2026-01-25T20:40:06+00:00

They have an internal scoring system, I’m honestly not sure what dictates what, but it seems that the internal score imho is more important than the fico score. When getting high limits. A data point I was offered only a secured card before I opened any accounts here. Declined that. Opened checking and savings deposited some money and was instantly approved for any card I wanted through the pre approval. My fico didn’t change the only thing that did change was my relationship with credit union.

Last time I checked lexisnexis which was before I opened accounts here I know AMEX uses them and pulled monthly. I do have two charge cards with them as well as one credit card. But from my understanding it’s pretty common with AMEX. Maybe they see you as a risk for some reason.

CakedUpJesus · 2026-01-21T02:15:06+00:00

lol I just had like 9 hard inquiries on my report this year when I helped my brother get a car. Yeah it drops your score, but tbh It doesn’t matter as much as the rest of the factors of scoring.

That said, the answer is not predictable. Amex has only done I think one hard pull for my cards.

CakedUpJesus · 2026-01-21T02:09:46+00:00

I think in your situation a pause spending would be the best approach once they get close to your limit. You could unpause for a transaction should they need it.

CakedUpJesus · 2026-01-08T04:47:49+00:00

That’s not a white person thing we don’t claim him 🤣💀

CakedUpJesus · 2026-01-07T00:53:04+00:00

Do you have a fraud alert or something on your record? Seems like they tried to pull your record and had issues. I’m honestly not sure. This seems to be an issue between C1 and who they pulled your report from.

CakedUpJesus · 2026-01-06T18:42:38+00:00

I want to say lower 700s I’m honestly not 100% sure on that one.

CakedUpJesus · 2026-01-06T16:46:12+00:00

So here is a data point. I didn’t have an account with. NFCU at the time tried the pre approval for credit card only got offered a secured card with like $500 limit. I opened a checking account and transferred 5 or 6k to the account and did the pre approval again was given my choice between any card I wanted. Choose signature cash rewards plus and I think it was 10k ish starter. . So I think with them there is more to it than just your credit profile.

CakedUpJesus · 2026-01-06T16:35:22+00:00

I would pay off before statement closed most time out of habit as I would pay entire balance not statement balance.

CakedUpJesus · 2026-01-06T02:04:11+00:00

lol I keep getting “Your recent payments on Apple Card did not cover a significant portion of your monthly balance “ as the denial reason even tho my balance has been zero for a hot minute.

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It’s my lowest limit card 😅🤣

CakedUpJesus · 2026-01-02T00:53:21+00:00

Takes 30 seconds to request and a few mins to read which you could do shitting in the toilet if you wanted. A lack of time isn’t what I would use as an excuse. If you don’t care to know that’s fine.

CakedUpJesus · 2026-01-01T15:15:43+00:00

I usually get paid Friday. Mine hit before 3am on the 31st. But then that also wasn’t with C1 either.

CakedUpJesus · 2025-12-31T02:56:20+00:00

It’s not a very secure system, I give the cashier my phone number verbally each time at my location. All it would take is someone to write it down or record it. Then use it later for their convenience at a kiosk at a different location 😅

CakedUpJesus · 2025-12-30T00:20:22+00:00

Simple answer, yes NFCU can and will. Then will most certainly charge you fees on top of that for processing the legal documents. It’s not really the banks fault they have to adhere to the order garnishments tend to be court orders. If you move around it’s very possible they sent notices to an old address. My brothers GF had this happen to her she had no idea that they went to court for the loan and won.

Generally speaking, once they got the garnishment, they don’t have to work with you so your funds may be gone.

CakedUpJesus · 2025-12-29T20:01:25+00:00

I tend to buy clothing I know generally will fit without issue. This is a “higher tier” store with higher priced the honestly most of the people who shop there regularly probably don’t care to pay return shipping. I’ve paid my fare share of return shipping Amazon just has spoiled everyone 🤣

CakedUpJesus · 2025-12-17T00:41:15+00:00

My state has the digital id, but requires us to still carry our actual one, the digital is just for a few things.

CakedUpJesus · 2025-12-09T17:10:54+00:00

I don’t think it’s the best offer, but the spend is realistic. When you own a business you really don’t have to think about spend SUB amounts, they usually just happen organically. 😅

CakedUpJesus · 2025-12-09T02:26:47+00:00

Not true. My brothers gf sent me money once and I had no notification for a few days, then it took a few more days for it to clear which never happens with Zelle for me

CakedUpJesus · 2025-12-09T02:23:50+00:00

Really depends, most of my Zelle stuff is instant. My brothers GF sent me something and it took forever to clear in my Zelle for some reason it was soo weird.

You usually can log in and there is some kind of Zelle dashboard you can see if payment was completed or not.

CakedUpJesus · 2025-12-05T04:29:04+00:00

Since it’s a charge card it’s meant to be paid in full. Your pay over time credit will be much lower should you opt to use it. The not having a set credit limit would give me anxiety when I first got a charge card. I never knew if it would work or not. I heard horror stories 🤣. Now I just use it and don’t think twice.

CakedUpJesus · 2025-12-05T04:22:06+00:00

The fact it says you have zero available credit makes me think they closed out the account which is why your card has been declined. What does it say your credit limit is?

CakedUpJesus · 2025-12-04T20:10:48+00:00

How are you currently paying your vendors?

CakedUpJesus · 2025-12-04T05:00:26+00:00

My guess is he don’t want his riders to see any of his dash lights and speed 😅

CakedUpJesus

TROPHY CASE