Navy Fed Hack · Lets Geaux Hustle

Navy Fed Hack

Navy Federal Hack

Call (1-888-842-6328) after midnight in your time zone and tell them your Dad or Grandpa served but is deceased now.

You do not have his DD214 form. ( do not mention form as most times they do not ask for it). Prior to calling look on the virtual veterans wall (https://www.virtualwall.org/) and find someone with the same last name and state as your grandfather (if they ask; they may or may not) OR just pick someone from the listing.

Tell them what branch he served in such as Army, Marine, Navy, etc.

If you already have a checking and savings account, SKIP THIS STEP

Note: You can check to see if you prequalify for any cards in the app. I still suggest building a relationship and getting a secured card first.

However, you can apply for those that come up. You have a 70% chance of being approved with what comes up in the prequalify listing Get a secured card with them so you have put at least $300 in the savings account. You can get the secured amount the same day.

I advise opening a checking and savings as you want to build a relationship with the bank.

** Bonus: put more in than you are requesting for your secured amount so if you do $300 then put at least $350 in the savings account

*** Bonus: do not max out the secured card, keep balance between 1-10% by the statement date

***** Your account will be reviewed at 3 months to see if they will increase your limit without you adding more money. After 6 months they will review to see if they will unsecure your account and increase your limit again

***If you already have a secured card,

SKIP THIS STEP.

There is a 91/3 rule

In which you will get denied if you apply prior to 91 days, minimum, and 3 billing statements. You must wait on both.

If you have had your secured card for more than 91 days and 3 billing statements, you can start at the next step below.

When you get ready to apply for your second card, do it after midnight but online

Make sure that you input 62k-75k as your income or your real household income if over that amount.

For if you rent or own you can do either. Put between $250-$570 for the amount that you pay for rent or mortgage.

*** Disclaimer: If you follow these steps, you should have no problem with obtaining the bank account and the secured card. On rare occasions you may be denied for the secured card due to unforeseen credit issues. If you owe navy federal, you will NOT be approved. There are no guarantees however, 80% of the people we have provided this information to have received their highest limits following this method

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