Amex and Navy Fed Approval
So funny thing is I work at a bank, so after truly figuring out and understanding the run down of utilization, limits, and types of lending to establish good credit. After two years of bad credit and a 16% interest rate auto loan, I built my credit score up to the point of applying with navy fed for an $25,000 auto loan which was approved at 2.39% and also a credit card while there which they extended a $12500.00 CAsh Rewards card. I was feeling high and over the moon. So I have been piling up the applications that come in the mail for shred and said well might as well try for that Amex I always wanted and scored a $6500 Everyday Card with them and a $5000 Blue. This is my testimony of doing what is needed to get where you want. I started with an average credit score of 560-600. I now sit at 712 being my lowest and 742 being my highest. I do also have a PNC cash builder credit card that they recently increased to $1000 and a terrible first premier with $250 that card I plan to close. It was my first card I got to rebuild credit. i just want to share my story and say with time it will happen. Never would I thought I would have good credit.
CONGRATULATIONS!!! Welcome to the Amex & NFCU Families! -take care of them, as they will take GREAT care of you- Oh, and don't forget to 3xCLI those Amex's when you get them!
Similar Messages
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Some computers download and install the two approved updates, others only download Windows Update Agent and not the approved updates.
UN-successful Windows Update Log:
2014-05-07 09:33:56:180
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Misc =========== Logging initialized (build: 7.6.7600.256, tz: -0400) ===========
2014-05-07 09:33:56:220
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Misc = Process: C:\Windows\system32\svchost.exe
2014-05-07 09:33:56:221
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Misc = Module: c:\windows\system32\wuaueng.dll
2014-05-07 09:33:56:180
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Service *************
2014-05-07 09:33:56:221
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Service ** START ** Service: Service startup
2014-05-07 09:33:56:222
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Service *********
2014-05-07 09:33:56:544
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Agent * WU client version 7.6.7600.256
2014-05-07 09:33:56:545
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Agent * Base directory: C:\Windows\SoftwareDistribution
2014-05-07 09:33:56:546
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Agent * Access type: No proxy
2014-05-07 09:33:56:547
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Agent * Network state: Connected
2014-05-07 09:33:57:315
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Setup Service restarting after SelfUpdate
2014-05-07 09:33:57:545
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Setup Client version: Core: 7.6.7600.256 Aux: 7.6.7600.256
2014-05-07 09:33:57:592
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Report CWERReporter::Init succeeded
2014-05-07 09:33:58:326
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Report *********** Report: Initializing static reporting data ***********
2014-05-07 09:33:58:376
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Report * OS Version = 6.1.7601.1.0.65792
2014-05-07 09:33:58:376
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Report * OS Product Type = 0x00000030
2014-05-07 09:33:58:394
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Report * Computer Brand = Hewlett-Packard
2014-05-07 09:33:58:444
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Report * Computer Model = HP Compaq 4000 Pro SFF PC
2014-05-07 09:33:58:455
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Report * Bios Revision = 786H7 v02.00
2014-05-07 09:33:58:504
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Report * Bios Name = Default System BIOS
2014-05-07 09:33:58:554
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Report * Bios Release Date = 2011-01-31T00:00:00
2014-05-07 09:33:58:554
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Report * Locale ID = 1033
2014-05-07 09:34:03:562
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Report REPORT EVENT: {082D455B-6E51-4238-A997-1D27D9214A72}
2014-05-07 09:33:58:565-0400 1
199 101
{0011B9ED-9189-4D58-BE25-FA2F13FC3D6C}
1 240005
SelfUpdate Success
Content Install Installation successful and restart required for the following update: Windows Update Aux
2014-05-07 09:34:03:614
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Report CWERReporter finishing event handling. (00000000)
2014-05-07 09:34:42:049
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Agent *********** Agent: Initializing Windows Update Agent ***********
2014-05-07 09:34:42:049
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Agent *********** Agent: Initializing global settings cache ***********
2014-05-07 09:34:42:049
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Agent * WSUS server: http://csd26.csd.local:80
2014-05-07 09:34:42:049
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Agent * WSUS status server: http://csd26.csd.local:80
2014-05-07 09:34:42:049
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Agent * Target group: CO
2014-05-07 09:34:42:049
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Agent * Windows Update access disabled: No
2014-05-07 09:34:42:063
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DnldMgr Download manager restoring 0 downloads
2014-05-07 09:34:42:089
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AU ########### AU: Initializing Automatic Updates ###########
2014-05-07 09:34:42:089
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AU AU setting next detection timeout to 2014-05-07 13:34:42
2014-05-07 09:34:42:090
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AU AU setting next sqm report timeout to 2014-05-07 13:34:42
2014-05-07 09:34:42:090
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AU # WSUS server: http://csd26.csd.local:80
2014-05-07 09:34:42:090
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AU # Detection frequency: 22
2014-05-07 09:34:42:090
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AU # Target group: CO
2014-05-07 09:34:42:090
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AU # Approval type: Scheduled (Policy)
2014-05-07 09:34:42:090
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AU # Scheduled install day/time: Every day at 3:00
2014-05-07 09:34:42:090
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AU # Auto-install minor updates: Yes (User preference)
2014-05-07 09:34:42:105
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AU Initializing featured updates
2014-05-07 09:34:42:116
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AU Found 0 cached featured updates
2014-05-07 09:34:42:116
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AU Successfully wrote event for AU health state:0
2014-05-07 09:34:42:117
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AU Successfully wrote event for AU health state:0
2014-05-07 09:34:42:117
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AU AU finished delayed initialization
2014-05-07 09:34:42:117
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AU AU setting next sqm report timeout to 2014-05-08 13:34:42
2014-05-07 09:34:42:117
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AU #############
2014-05-07 09:34:42:117
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AU ## START ## AU: Search for updates
2014-05-07 09:34:42:117
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AU #########
2014-05-07 09:34:42:291
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AU <<## SUBMITTED ## AU: Search for updates [CallId = {5AA2F00A-8964-4543-A740-EC45C5FD5752}]
2014-05-07 09:34:42:341
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Agent *************
2014-05-07 09:34:42:341
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Agent ** START ** Agent: Finding updates [CallerId = AutomaticUpdates]
2014-05-07 09:34:42:341
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Agent *********
2014-05-07 09:34:42:341
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Agent * Online = Yes; Ignore download priority = No
2014-05-07 09:34:42:341
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Agent * Criteria = "IsInstalled=0 and DeploymentAction='Installation' or IsPresent=1 and DeploymentAction='Uninstallation' or IsInstalled=1 and DeploymentAction='Installation' and RebootRequired=1 or IsInstalled=0
and DeploymentAction='Uninstallation' and RebootRequired=1"
2014-05-07 09:34:42:341
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Agent * ServiceID = {3DA21691-E39D-4DA6-8A4B-B43877BCB1B7} Managed
2014-05-07 09:34:42:341
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Agent * Search Scope = {Machine}
2014-05-07 09:34:42:341
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Setup Checking for agent SelfUpdate
2014-05-07 09:34:42:342
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Setup Client version: Core: 7.6.7600.256 Aux: 7.6.7600.256
2014-05-07 09:34:42:349
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Misc Validating signature for C:\Windows\SoftwareDistribution\SelfUpdate\wuident.cab:
2014-05-07 09:34:42:392
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Misc Microsoft signed: Yes
2014-05-07 09:34:44:669
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Misc Validating signature for C:\Windows\SoftwareDistribution\SelfUpdate\wuident.cab:
2014-05-07 09:34:44:676
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Misc Microsoft signed: Yes
2014-05-07 09:34:44:754
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Misc Validating signature for C:\Windows\SoftwareDistribution\SelfUpdate\wsus3setup.cab:
2014-05-07 09:34:44:777
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Misc Microsoft signed: Yes
2014-05-07 09:34:44:781
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Misc Validating signature for C:\Windows\SoftwareDistribution\SelfUpdate\wsus3setup.cab:
2014-05-07 09:34:44:788
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Misc Microsoft signed: Yes
2014-05-07 09:34:44:837
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Setup Determining whether a new setup handler needs to be downloaded
2014-05-07 09:34:44:855
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Misc Validating signature for C:\Windows\SoftwareDistribution\SelfUpdate\Handler\WuSetupV.exe:
2014-05-07 09:34:44:862
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Misc Microsoft signed: Yes
2014-05-07 09:34:44:862
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Misc WARNING: Digital Signatures on file C:\Windows\SoftwareDistribution\SelfUpdate\Handler\WuSetupV.exe are not trusted: Error 0x800b0001
2014-05-07 09:34:44:862
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Setup WARNING: Trust verification failed for WuSetupV.exe. It will be deleted and downloaded, error = 0x800B0001
2014-05-07 09:34:44:863
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Setup SelfUpdate handler update required: Current version: 7.6.7600.256, required version: 7.6.7600.256
2014-05-07 09:34:44:873
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Setup Evaluating applicability of setup package "WUClient-SelfUpdate-ActiveX~31bf3856ad364e35~x86~~7.6.7600.256"
2014-05-07 09:34:44:932
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Setup Setup package "WUClient-SelfUpdate-ActiveX~31bf3856ad364e35~x86~~7.6.7600.256" is already installed.
2014-05-07 09:34:44:933
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Setup Evaluating applicability of setup package "WUClient-SelfUpdate-Aux-TopLevel~31bf3856ad364e35~x86~~7.6.7600.256"
2014-05-07 09:34:45:048
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Setup Setup package "WUClient-SelfUpdate-Aux-TopLevel~31bf3856ad364e35~x86~~7.6.7600.256" is already installed.
2014-05-07 09:34:45:048
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Setup Evaluating applicability of setup package "WUClient-SelfUpdate-Core-TopLevel~31bf3856ad364e35~x86~~7.6.7600.256"
2014-05-07 09:34:45:234
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Setup Setup package "WUClient-SelfUpdate-Core-TopLevel~31bf3856ad364e35~x86~~7.6.7600.256" is already installed.
2014-05-07 09:34:45:235
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Setup SelfUpdate check completed. SelfUpdate is NOT required.
2014-05-07 09:34:48:415
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PT +++++++++++ PT: Synchronizing server updates +++++++++++
2014-05-07 09:34:48:415
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PT + ServiceId = {3DA21691-E39D-4DA6-8A4B-B43877BCB1B7}, Server URL = http://csd26.csd.local:80/ClientWebService/client.asmx
2014-05-07 09:34:48:424
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PT WARNING: Cached cookie has expired or new PID is available
2014-05-07 09:34:48:424
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PT Initializing simple targeting cookie, clientId = 97287ab2-5824-44d2-bf93-8a98da659f77, target group = CO, DNS name = c18714.csd.local
2014-05-07 09:34:48:424
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PT Server URL = http://csd26.csd.local:80/SimpleAuthWebService/SimpleAuth.asmx
2014-05-07 09:34:48:454
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PT WARNING: GetCookie failure, error = 0x8024400D, soap client error = 7, soap error code = 300, HTTP status code = 200
2014-05-07 09:34:48:454
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PT WARNING: SOAP Fault: 0x00012c
2014-05-07 09:34:48:454
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PT WARNING: faultstring:Fault occurred
2014-05-07 09:34:48:454
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PT WARNING: ErrorCode:ConfigChanged(2)
2014-05-07 09:34:48:454
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PT WARNING: Message:(null)
2014-05-07 09:34:48:454
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PT WARNING: Method:"http://www.microsoft.com/SoftwareDistribution/Server/ClientWebService/GetCookie"
2014-05-07 09:34:48:454
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PT WARNING: ID:cb5babad-3a1d-4e6b-946e-736ed4746e3f
2014-05-07 09:34:48:464
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PT WARNING: Cached cookie has expired or new PID is available
2014-05-07 09:34:48:464
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PT Initializing simple targeting cookie, clientId = 97287ab2-5824-44d2-bf93-8a98da659f77, target group = CO, DNS name = c18714.csd.local
2014-05-07 09:34:48:464
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PT Server URL = http://csd26.csd.local:80/SimpleAuthWebService/SimpleAuth.asmx
2014-05-07 09:35:06:497
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AU Forced install timer expired for scheduled install
2014-05-07 09:35:06:497
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AU UpdateDownloadProperties: 0 download(s) are still in progress.
2014-05-07 09:35:06:497
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AU Setting AU scheduled install time to 2014-05-08 07:00:00
2014-05-07 09:35:06:498
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AU Successfully wrote event for AU health state:0
2014-05-07 09:35:14:236
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PT +++++++++++ PT: Synchronizing extended update info +++++++++++
2014-05-07 09:35:14:236
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PT + ServiceId = {3DA21691-E39D-4DA6-8A4B-B43877BCB1B7}, Server URL = http://csd26.csd.local:80/ClientWebService/client.asmx
2014-05-07 09:35:20:118
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Agent * Found 0 updates and 79 categories in search; evaluated appl. rules of 859 out of 1494 deployed entities
2014-05-07 09:35:20:194
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Agent *********
2014-05-07 09:35:20:194
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Agent ** END ** Agent: Finding updates [CallerId = AutomaticUpdates]
2014-05-07 09:35:20:194
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Agent *************
2014-05-07 09:35:20:209
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Report CWERReporter finishing event handling. (00000000)
2014-05-07 09:35:20:209
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Report CWERReporter finishing event handling. (00000000)
2014-05-07 09:35:20:209
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AU >>## RESUMED ## AU: Search for updates [CallId = {5AA2F00A-8964-4543-A740-EC45C5FD5752}]
2014-05-07 09:35:20:209
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AU # 0 updates detected
2014-05-07 09:35:20:209
1036 bb8
AU #########
2014-05-07 09:35:20:209
1036 bb8
AU ## END ## AU: Search for updates [CallId = {5AA2F00A-8964-4543-A740-EC45C5FD5752}]
2014-05-07 09:35:20:209
1036 bb8
AU #############
2014-05-07 09:35:20:210
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AU Successfully wrote event for AU health state:0
2014-05-07 09:35:20:210
1036 bb8
AU Featured notifications is disabled.
2014-05-07 09:35:20:211
1036 bb8
AU AU setting next detection timeout to 2014-05-08 11:19:46
2014-05-07 09:35:20:211
1036 bb8
AU Setting AU scheduled install time to 2014-05-08 07:00:00
2014-05-07 09:35:20:212
1036 bb8
AU Successfully wrote event for AU health state:0
2014-05-07 09:35:20:212
1036 bb8
AU Successfully wrote event for AU health state:0
2014-05-07 09:35:25:183
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Report REPORT EVENT: {C1B39107-F517-4477-AAE3-9B1F1D6002BF}
2014-05-07 09:35:20:193-0400 1
147 101
{00000000-0000-0000-0000-000000000000}
0 0 AutomaticUpdates
Success Software Synchronization
Windows Update Client successfully detected 0 updates.
2014-05-07 09:35:25:183
1036 f08
Report REPORT EVENT: {669B9537-BB71-4190-BA58-A97F725AE4D8}
2014-05-07 09:35:20:194-0400 1
156 101
{00000000-0000-0000-0000-000000000000}
0 0 AutomaticUpdates
Success Pre-Deployment Check
Reporting client status.
2014-05-07 09:35:25:184
1036 f08
Report CWERReporter finishing event handling. (00000000)
2014-05-07 09:37:32:440
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Report Uploading 3 events using cached cookie, reporting URL = http://csd26.csd.local:80/ReportingWebService/ReportingWebService.asmx
2014-05-07 09:37:32:454
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Report Reporter successfully uploaded 3 events. -
Problem with dual currency when working with AMEX and VISA
Hi all,
We are in process of implementing SAP travel on demand with integration of AMEX and VISA corporate cards. Paymentric was in charge of our configuration and the information is comming to our system now.
As per our set up, the statements are being procesed with errors, due the currency we are receiving the charges is USD instead of country home currency. Example -> Argentinian employee travel to Brazil, and paid with BRL currency. We are receiving the statements in USD instead of BRL (There is a validation in the tool which cannot process statements in other than local currency)
I spoke with AMEX and VISA representatives, and both says that they work with dual currency model, so changing the currency in the statements is not a possibility.
Are we missing something in the config? I was reading information and discover that other countries like China are having same issue.
Thanks for your help,
HernánHi Hernán,
credit card statements usually contain two currencies:
1. 1. Local Currency: if the Argentinian employee travels to Brazil and buys something there, the local currency would be BRL
2. 2. Billed Currency: this is the currency in which the credit card is billed (according to the credit card setup). Each transaction is converted to the billed currency in case of foreign transactions.
Cloud for Travel and Expenses knows for each employee exactly one home currency. An expense report is always processed with home currency.
Up to release 1502 it is not possible to import credit card transactions if the credit card billed currency does no match the employee’s home currency (there is no restriction to the local currency).
As of release 1505 this is possible, but it has to be activated in Business Configuration:
Travel and Expenses -> Expense Reimbursement -> Expense Input Channels -> Group: Credit Card -> Do you want to import credit card transactions with a credit card currency that differs from the home currency of the employee?
In addition, you must use the new posting interface "SAP ERP Financials Using IDoc (with extensibility)". If you detect settlement deviations or differences on the reconciliation or credit card account (split payment) due to the currency exchange rates in your financial system, you can correct this situation by implementing BAdIs in the ERP system.
Hope this helps.
Best regards,
Ralph -
Validation at "Save and Send for approval" in Create Expense Report
Hello gurus,
I have an issue where in at Create Expense report we have two options:
1. Save
2. Save and Send for Approval.
When this trip is SAVED and SEND FOR APPROVAL the validation should trigger and error message should appear if expense type XXXX is used in any of the line item of the trip.
I have been told that this can be done by user exit at the backend level. But, at the frontend we will have to make some changes as well.
I know WD JAVA, but a little short on knowledge in WD ABAP.
Could you please help me by telling me as to how to do a validation in this scenario or even if its necessary to do it ?? I mean, is it possible that the backend validation will hold true if someone will create a expense report from the frontend as well ??
Please explain me ...Hello friend,
Its easy to handle this problem,
To know how you can use the message effectively see this details about the interface,
http://help.sap.com/saphelp_nw70ehp1/helpdata/en/6c/7aae42cd7fb611e10000000a155106/content.htm
For clear understanding about the steps for creating messages see the code below,
http://e-university.wisdomjobs.com/sap-abap-web-dynpro/chapter-105-274/messages-exceptions-and-web-dynpro-abap.html
I think you will be clear after reading this code. Any queries please revert back to me.
Thanks,
Sri Hari -
Why Template, request and operation level approval from 11g?
Hi All,
I''m very new to OIM 11g and could not understand the logic behind having three categories of approval workflow, sucn as Template, operational and request level approvals? In 10 g, on the contrary, we can achieve multiple level approval using one approval process against a resource object. Having said that, i think we can also achieve a multi level approval in one BPEL process using the serial or parallel type of approval. So, a single approval process, say request level approval process can be configured to catered to multiple level of approvals. If this is the case, i could not figure out the reason behind the availability of 2 further categories template and request level approval. Can anyone please shed light on the actual usage with a context and also render reference to a 10 g functionality for these approval categories.
Thanks,
SriniRequest Level & Operation Level :
Re: Difference requestlevel and operational level
Template Level : It is also same as Request Level where you can reject the complete request in one shot. In latest version of OIM i.e. OIM 11g R2, you won't find this Approval Level. -
When creating self service request contains attachments and it's approved
when creating self service request contains attachments and it's approved is the attachments automatic transfer to the applet form or not?
resolved
-
Header and item level approval using N level BADI
Hi Experts,
I beleive we can use either header level or item level approval workflow (WS14000133 and WS14500015) using N Approval-BADI. Please advise what information approval will be able to see if we will be using WS14000133 (Header level approval). Can he see all line item information or header level only.
Regards,
KamalIn SRM the same BADI is used for SC, PO, Invoice and others as well.. If you see the example implementation provided by SAP, you can see the use of CASE statement with different Business Objects and code under it.
Irrespective of the Header level or Item level approval workflow the same BADI has to be implemented.
The difference between Header and Item Level approval is
1) In Header level, approval or rejection is done for the whole cart (there can be 1 item or multiple items).
Approver will be able to see all the items in the cart.
2) In Item level, approval or rejection is done for each and every line item. here is an example ---
Line item 1 has Cost Center as Account Assignment Category and has to be approved by Users A and B.
Line item 2 has Internal Order as Account Assignment Category and has to be approved by Users C and D.
Item 1 goes to user A and once approved, it goes to B. they will not be able to approve or reject item 2. but we can restrict user A and B to see item 2 or not by setting a flag..
Item 2 goes to user C and once approved, it goes to D. they will not be able to approve or reject item 1. but we can restrict user C and D to see item 1 or not by setting a flag..
The SC will get released only after all the items are approved.
For Header Level approval, you need to fill the APPROVAL_TABLE.
For Item Level approval, you need to make use of APPROVAL_TABLE, ITEM_APPROVAL_TABLE and ITEM_APPROVAL_OBJ.
Examples provided by SAP might give you an idea how to code for Header and Item Level.
Hope this gives you some information .....
Regards,
PR.
Edited by: PR on Nov 25, 2008 10:50 PM -
How can I view the PO approver rules ,controls and profiles
HI,
The approval process should be replicated by an electronic release procedure.
This release procedures automatically blocks the relevant documents for further processing. Blocked POs cannot be output for example.
To setup release procedure for POs follow the menu path:
SPRO>Materials management>Purchasing>Purchase order>Release procedure for purchase orders.
You must make the following customizing settings in this order:
Create characteristics and classes
Create release group
Create release codes
Create release indicators
Create release strategy.
For further details gothrough the below link:
http://help.sap.com/erp2005_ehp_02/helpdata/en/75/ee1fa755c811d189900000e8322d00/frameset.htm
Reward if useful
Chandru -
How do i change birthday and get parent approval
We created a account for our son but we used a different b-day. how do change is birthday and get parent approval. He is a minor.
Hi mmitchell619,
Welcome to the Apple Support Communities!
I understand that you would like to edit the birth date for your son’s Apple ID. To change the birthday, please use the steps located in the following article.
Update the birth date associated with your Apple ID - Apple Support
Best regards,
Joe -
When I used Safari to go to the American Express web site a request came up asking me to register my Amex card. I thought this was strange so I called Amex and they saw it when they went online and they said it was my iPad that had been hacked. Is there an app to protect my iPad when I am online with sensitive information?
I located some suggestions for flushing the cache.
There are really three ways you can flush the DNS cache on your iPad.
1) Simply turn the iPad off and on again using the power button. A simple reboot will go a long way.
2) Turning on Airplane mode and then turning it off again will also clear the DNS cache and should be enough to fix the problem. Tap on your Settings icon, then swipe Airplane mode to On and then back off. Since Airplane mode disables the wireless features of your iPhone, iPad, or iPod touch to comply with airline regulations, this will generally do the trick.
The third method would reset all your network settings and I'm pretty sure you don't want to do that right now. -
Cannot open Citrix and my apple approved Mircosoft Office package anymore.
After the installation I cannot open Citrix and my apple approved Mircosoft Office package anymore.What happend? I need these programms to work in my homeoffice? Do I need to buy an ordinary computer with Microsoft?
Who can help me?1. Restore you Mac to Snow Leopard from your Snow Leopard backup.
2. Partition your hard drive or add an external hard drive and install Lion there.
3. Dual-boot (System Preferences:Startup Disk) to get into Snow Leopard when you need access to Word and/or Citrix; or to Lion when you need access to iCloud or apps that require Lion.
Consider upgrading to Office 2008 or 2011, both of which will work in Lion. I have no experience with Citrix to advise of a possible update for Lion. -
Hi ,I updated the credit card information and it was approved
Hi ,I updated the credit card information and it was approved & payment went through but we are still having problems withour creative cloud on allour computers. Can you please help me?
Creative Cloud chat support (all Creative Cloud customer service issues)
http://helpx.adobe.com/x-productkb/global/service-ccm.html -
Difference between one step approval and N-step approval?
Hi Experts,
Can anyone tell what is major difference between one step approval and N step approval?
I guess its only one person will approve incase one step approval and where as in the N-step approval a shopping cart can be approved by many users under some prerequistes right??
can some one provide me some hints on this.....
how does it make a difference in workflows and how to mantain the settings for this in the SPRO. for this one to setup a one-step and N-step approvals. what are points to be taken care while setting up this?
Please can some one clarify me on this
Regards
Sairam.
IHi,
1 step approval - Number of approvals will be 1
n step - number of approvals greater then 2(since std approval workflow present till 2 level)
The general customising steps for Workflows apply to both of them (like SWU3 customising.event linkage etc) but other then that for,
1 step approval -
-->Need to activate the starting conditions
-->Agent assignment to be done seperately for the Approval task
(Also the N step workflow can be used as 1 step workflow with number of approvals being set to 1 through the Logic in the badi.)
N step approval -
-->to be implemented through BADI BBP_WFL_APPROV_BADI .This BADi actually determines the Agents/approvers for the workflow.
-->As per my exp,this workflow is very unstable and for few updates,you may have to apply number of notes(e.g. Approval status not updated properly,graphical preview not visible properly etc)
BR,
Disha.
Do reward points for useful answers. -
Oh NOES Navy Fed...!! **Update**
So... I was recently approved for what some of you have called the "conservative" PenFed for a $5k visa siggy after joining by donating $15. But of course I can't help but see the love from Navy Federal for those who are members. My housemate has a sister in the Marines, so that was a way in for me, since "housemate" is an eligible category for membership. So the other day I helped him open a Navy Federal account / gain membership, and of course helped him immediately apply for their Flagship card, which he was immediately approved for $6k. As soon as he had a membership number, I opened an account for myself, the housemate. I was approved for membership, and of course immediately applied for the same card, though my went to "pending" unfortunately. Fast forward a couple days - I can't log in to see my account. I call. They say it's an issue with my sponsoring member. I hand him the phone. They need him to come in and show his social security card. He says ok and hangs up. Then today, he couldn't find his social security card. So he took his drivers license and passport in to Navy Federal. The bank manager at the branch said "this sort of thing happens [frequently]" and says she will manually override the system. But then she can't. So she calls her supervisor, who tells her he has to show his social security card, and apologized for not being able to accept his driver's license or passport. He now has to apply for a replacement social security card, which can take 10 business days once the application is submitted. I still have restricted access on my own account, in terms of online functions, but I could see "pending applications" and my CC application was declined. Soooo..... should he resolve his situation and provide proof of his SSN within the next 30 days and get full account access restored (I assume he won't get his CC from them?), is my decline something that I can recon? (I guess I don't know what the reason for denial is yet). Do they recon? If they don't, how long would I have to wait to reapply?
The household member, if it is used by a federal credit union, is generally defined by the NCUA, the regulatory body for credit unions. http://www.ncua.gov/Resources/Documents/CUDev/Chartering%20And%20Field%20of%20Membership%20Manual.pdf http://www.ncua.gov/Legal/OpinionLetters/OL1999-0426.pdf It requires the household member to make an economic contribution to the household, and not just be a transient member of the household, but the relationship does not have to be a domestic partnership. A credit union can adopt a more restictive definition, but they point out that it is especially important that such restrictions be put in writing. They have also stated that existing members should remain members if such a change is adopted.That is probably why there is not a more specific definition of household member for most credit unions. Some credit unions have in the past requested a more specific definition of household by NCUA, but they have chosen to leave the definition as is.
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The easiest to get is Amex Delta card. But if you are planning on applying next year and your scores will be in the 700s, you should be able to get other cards also.
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