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PizzaPowerPunch

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  1. I got a few. I'm a new member of Alliant, just joined a week ago haven't done anything with the account or even logged in since last Saturday when I opened the account. Was trying to sign in to the online banking a few hours ago to find the account and routing number to set up direct deposit for my job, and it wouldn't let me and im mysteriously locked out of online banking. Trying to login into the website tells me i'm restricted to online banking while their app has an error message saying theres a special condition on my account or missing information. When I called, the rep tells me to forget trying to use the app and instead use the website on my mobile browser on my phone because it usually is much better then the app (That's pretty bad & sad for what is supposed to be a nationwide "digital" credit union that closed all of their branches except 1 or 2 of them to focus on going digital only) Anyways I explained I tried the site AND app already and tried the website on my desktop computer on 2 browsers and my laptop on 2 different browsers, and we talked for a while then eventually admitted he was clueless and told me he can't see anything wrong from his end so he was forwarding it to someone else and flagged it as high priority and we'll see what happens. Another stroke of amateur-ness I've come across recently in the world credit of unions, this local credit union that I am also a member of (Mill City Credit Union, the old General Mills credit union or something) merged with another local credit union called City & County Credit Union. They started reissuing new debit cards to the Mill City members around May 2019 and guess what!? My new debit card I received towards the end of May 2019 had an expiration date of May 2019 along with instructions to destroy it! And looking at their Facebook wall, there's other people saying the same thing!
  2. Yup, I know that. Was just giving that as a data point since that was the most convenient score I had access to at the moment. My Walmart credit card account says my score is 691 as of August 3, 2017, quite a bit higher then the fako score CK gave me.
  3. Applied with a crapton of inquiries and new accounts and got a $3000 instant approval! Funny thing is I opened a Dicks Sporting Goods $300 limit, TJ Maxx $400 limit and JCPenney card with $900 limit in the past couple months, and none were the Mastercard version. Guess I got lucky on the Paypal card thankfully! Thank you Synchrony! I also have Paypal credit on the same account with $3300 limit. Some data points 649 TU score according to Credit Karma 17% Utilization about 32k Annual income About 86k in available credit across all my cards 23 inquiries, 15 of them are within the past 12 months. 22 total accounts, 1 is an auto loan and 1 is an unsecured loan, and the rest are credit cards 10 are less then a year old, and 6 of those 10 are less then 6 months old 11 Months AAOA
  4. You'll have to wait for them to merge with another credit union (one that anyone can join via donating or a one time fee to some organization) like they did with USA Federal Credit Union in 2010. As to when/if that will happen, your guess is as good as mine.
  5. Fear, dread and anxiety: The Credit Union DifferenceTM I think i'm ok (I Hope)
  6. So those who got in via the NLUS San Diego method are our memberships and accounts still valid? I Joined June 2016 and got a credit card at the time (Which currently has a $25,000.00 credit limit!!!) and I have had no issue at all with NFCU over the past 14 months, just been scared to make them my primary financial institution out of fear my account will be locked by the overzealous membership auditors.
  7. NFCU is so amateur they hold your cash deposit made at a CO-OP Credit Union ATM for 5 days before it's available in your checking account. Live in Minnesota, no NFCU branches here, deposited some cash once into my checking at a local credit union's ATM that has automated cash and check deoosits, had to wait the full 5 business days before it showed up in my NFCU checking account. https://www.navyfederal.org/branches-atms/co-op-network-atms.php All check and cash deposits are subject to a five-business-day hold beginning the date the check is posted.
  8. They opened their membership up to the entire 13 county Minneapolis/St Paul metro area in 2009. And anyone in the country can join by donating $5 to the Wings Financial foundation (not sure how long donating $5 to the Wings Foundation has been around as a way to become eligible to join, but it is so it's a credit union that anyone can join)
  9. I live in Minnesota and use Wings as my main financial institution, they're incredible! Largest credit union in Minnesota in terms of assets by a landslide https://www.bizjournals.com/twincities/subscriber-only/2016/05/20/credit-unions.html And Wings Financial is one of the top 30 or 40 largest credit unions in the USA and one of the top 200 healthiest credit unions in the nation on DepositAccount.com's list of the Top 200 healthiest US credit unions of 2017 https://www.depositaccounts.com/banks/health.aspx
  10. Back when I joined in June, I emailed everything early in the morning like 6-7am if I recall correctly and I heard back the same day like 1-2pm saying my membership has been opened. But reading here and on Myfico I appear to be in the minority it seems like.
  11. I've been a Navy Federal member for a little over 6 months now, joined back in June using the Navy League San Diego. Nothing but awesome experiences! And in around 4 months I went from a $1600 limit on my credit card to $5000 to $25,000. I guess I was one of the lucky ones, I originally emailed my membership application and all required documents in the morning at like 6 or 7 am, and by 2pm that same day I got an email back saying welcome to Navy Federal and an email from CreditKarma alerting me of a hard pull from Navy Federal, unlike others here who it's taking them weeks to hear back.
  12. Awesome! Were these auto CLIs are did you ask for them? I asked for them. The card was instant approved at 1600 and the CL I i asked for before I received the card in the mail resulted in a hard pull and wasn't an instant approval, they raised it to 5000. The CLI after 3 statements cut from $5000 to $25,000 was an instant approval and a soft pull. Always ask for $25,000 and they will counter with the max they're willing to give you. I thought i was tripping when I asked for $25,000 and I submitted it and said it was approved for the full 25k. And I must of been really lucky when I emailed my app with NLUS San Diego welcome letter, drivers license and social security. I emailed it in the morning like 6am or something if I remember right and got an email back at like 3pm or 4pm that same day saying my membership had been opened, along with an email from Creditkarma alerting me of a hard pull from NFCU. That was during the beginning of June when I opened my NFCU membership. And what its worth, my annual gross income is slightly less then $32,000/year.
  13. You can but read I've understood is if your membership actually gets opened & approved theres a higher chance of it being locked due to an eligibility audit. Not sure how true it is, take it with a grain of salt and YMMV
  14. It's been over 4 months since I joined via Navy League San Diego. Is it safe to move my direct deposit over now or are my accounts still at risk of potentially being locked by their membership audit security team? Already got my credit card to a $25,000 limit. Started at $1600, got a CLI before receiving it in the mail to $5000 and another CLI to $25,000 after 3 statements cut.
  15. So a hard pull for membership when you just get the savings/checking account. And then two more hard pulls for CC and CLOC? Yes. Unless you're really lucky and they double pull for the CLOC. Thanks for creating this thread. I read through it entirely before applying. On page 52 re-reading through it again about applying for a CC and CLOC. Do you know which CC is best to apply for....for getting a higher limit? I'm more focused on a higher limit than rewards at the moment. Don't think it really makes a difference and I believe (but not 100% sure so dont quote me on this) that you can product change to a different card if you want later on

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