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Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012
0

Re: HOLY NFCU!!

Congrats! Very impressive limit. Be careful, with that kind of buying power you might attract people looking for a sugar momma or sugar daddy.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Valued Contributor
Epcot
Posts: 2,784
Registered: ‎10-10-2012
0

Re: HOLY NFCU!!

Nice CL, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Frequent Contributor
dddfresh
Posts: 391
Registered: ‎01-11-2013
0

Re: HOLY NFCU!!

Sugar mama preferred ha. Thank you!!

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Epic Contributor
Creditaddict
Posts: 20,896
Registered: ‎10-23-2007
0

Re: HOLY NFCU!!


Leadberry wrote:

dddfresh wrote:

They conditionally approved the line of credit, but I have to fax in two most recent pay stubs, and a month of bank statements from my previous bank.

not sure if they pulled another inquiry. I had an overdraft fee last month, so I am kinda pissed that happened, and I dont think I am going to fax in the documents because of it now :/


Yeah it's the Overdraft LOC.  Send in the info--you already got the HP for it.  If you don't send in the papers it's a guaranteed denial; send them in and you should be approved.  They just want to make sure you're making as much money as you say you are.


Docs match what you stated on APP = APPROVED! its not we will let you know by mail in 7-10 days, it's approved once you prove what we ask for.

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 695 NASA(10-6-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Frequent Contributor
dddfresh
Posts: 391
Registered: ‎01-11-2013
0

Re: HOLY NFCU!!

If I let my direct deposit go through for a month, would that essentially be the same?

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Epic Contributor
Creditaddict
Posts: 20,896
Registered: ‎10-23-2007
0

Re: HOLY NFCU!!


dddfresh wrote:
If I let my direct deposit go through for a month, would that essentially be the same?

Navy is weird in the sense that so much is in different departments and they don't "talk to each other" and they all will process within that office for that particular product... AND they ALWAYS HP, same minute, same hour, same day, all/every, APP! (oh well, you can have $100k in a day with navy if you have the income, well actually if mortgage guess even more! if you check max limit with navy threads you will see some with very substanital credit with navy.

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 695 NASA(10-6-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Frequent Contributor
dddfresh
Posts: 391
Registered: ‎01-11-2013
0

Re: HOLY NFCU!!

I applied because the CSR said it would be the same pull, but that went against everything I have read on here. Ill know soon from my CMS. Didnt really want to have to send in documents but I suppose I have no choice

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
New Contributor
Elcid89
Posts: 567
Registered: ‎10-04-2012
0

Re: HOLY NFCU!!

It's under overdraft line of credit.

 

And the rate is nasty compared to their other products. If you get this, do not carry a balance on it. In the event that you do overdraw, pay it off ASAP. Interest on NavChek lines compounds daily.

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

Frequent Contributor
dddfresh
Posts: 391
Registered: ‎01-11-2013
0

Re: HOLY NFCU!!

True, thank you. There is no "grace period". Similar to a cash advance on most credit cards

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Regular Contributor
sonson
Posts: 241
Registered: ‎12-04-2009
0

Re: HOLY NFCU!!

Wow! Congrats on the Approval! Great starting Limit you have! 


Starting Score: EQ 548 [ Feb 2010 ]
Current Score: TU 663 EQ 686
Goal Score: 700


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