Hello Navy Federal community I hope y’all doing fine. I’ve been a member with Navy Fed for almost a year. I just made it my primary bank today and received my employer direct deposit into my account.

I was getting my direct deposit with my other bank before. But Ive been paying rent and all my bills through navy federal for about 7 months now.

Last year I tried to get my new car refinanced but I got a rejection from them. Since then I haven’t tried to do it again or open the “pre approved” credit card offer from them due the hard inquiry from last year.

My FICO9 is 770. You guys suggest me to get my second direct deposit with navy fed before trying to refinance my car or get a credit card? Or you think would be okay to try again now?

Thank you in advance.