Okay, THAT'S probably why it hasn't been brought up- because it's been an issue with Navy Federal for much longer.
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Actually Navy Federal credit union, while a banking institution, does not actually transact payments, that would be Visa
I've actually found Navy Federal to be less restrictive on a lot of things despite their alleged policies, I've found using them over most of my cards usually ends in a successful transaction, unless i have no funds ofcourse