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Posts: 9,890
Registered: ‎09-22-2012

Re: Official Credit Unions Guide


CreditLuv wrote:
Nope, the MAX PLOC (you call it a CLOC) or NavCheck amount is $15,000. You can't request any more than that amount.

The POI part is really based on your credit score, income, UTI, and relationship with NFCU. Some people get POI pulled on them and others nothing.

Ok that makes sense.  When I first read it I couldn't figure out if I was a special case or what Smiley Happy

Valued Contributor
Posts: 1,425
Registered: ‎08-31-2014

Re: Official Credit Unions Guide

Don't worry B335is you're still "special". Smiley Wink
AAoA = 3.0, 3.3, 2.8 years|Oldest Account = 12.2 years|Inquiries = 6-EX, 6-EQ, 9-TU. I have the credit patience of a Buddha and Yoda love child, but the credit anger of The Hulk if I get a starting credit limit under $10K!

$40,000 Merrill Lynch Visa+ (13.74%)|$35,000 Lowes|$25,000 NFCU CashRewards (10.40%)|$25,000 NFCU Flagship (10.74%)|$25,000 RBFCU Premium MC (8.70%)|$25,000 Walmart MC|$20,500 PenFed Platinum (10.74%)|$20,000 Cap1 Venture|$15,150 Cap1 QS|$10,000 PenFed Promise (14.24%)|$9,000 Blispay Visa|$15,000 NFCU PLOC (13.90%)|$10,000 RBFCU PLOC (8.90%)|$10,000 PenFed PLOC (11.0%)|PayPal $4,650
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Posts: 13,401
Registered: ‎09-13-2013
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Re: Official Credit Unions Guide


B335is wrote:

baller4life wrote:

 

1) NFCU - the first CU I joined. Very generous to rebuilders! Known for high limit credit card approvals for those with less than stellar credit. TU pull for membership. EQ(usually) for credit. Platinum MC $25k, Cashrewards Visa $17.5k, CLOC $15k. POI required for CLOC. Those with no military connections can join via the below route:


Navy never asked me for POI when I got the CLOC.  I think it's if you request over $15k?


Oh no I didn't mean it was required for everyone. I will re-word that. They asked POI for my app. And $15k is the max and what I requested.

Valued Contributor
Posts: 2,995
Registered: ‎05-27-2015

Re: Official Credit Unions Guide

My list at the present time.
Alliant FCU : $500 secured loan, checking/savings accounts
NASA FCU : $25k CC and savings account
PenFed FCU : $28k CC, savings account and two auto loans
Navy FCU : $26k CC checking/ savings account, $5k PLOC
Max FCU : checking/savings accounts
Xcel FCU : checking/savings accounts
SDFCU : savings account
Kinetic FCU: checking/savings accounts
FICO 8 Scores EQ=753 TU=779 EX=764 (INQ) EQ=19 TU=14 EX=18 TCL=$483,700
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Re: Official Credit Unions Guide


Gmood1 wrote:
My list at the present time.
Alliant FCU : $500 secured loan, checking/savings accounts
NASA FCU : $25k CC and savings account
PenFed FCU : $28k CC, savings account and two auto loans
Navy FCU : $26k CC checking/ savings account, $5k PLOC
Max FCU : checking/savings accounts
Xcel FCU : checking/savings accounts
SDFCU : savings account
Kinetic FCU: checking/savings accounts

So what's the deal with Xcel? Membership requirements? And weren't you the one that posted that they give preapprovals?

Senior Contributor
Posts: 6,976
Registered: ‎06-22-2015

Re: Official Credit Unions Guide

[ Edited ]

CreditLuv wrote:
Nope, the MAX PLOC (you call it a CLOC) or NavCheck amount is $15,000. 



Navy Federal does not have a PLOC product. They do offer a CLOC.  Just wouldn't want anyone to be confused, or for anyone to call NFCU inquiring about a product they don't offer. Smiley Happy



Favorite Cards : ~ Citi Double Cash World Elite MasterCard ~
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Posts: 2,995
Registered: ‎05-27-2015
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Re: Official Credit Unions Guide

[ Edited ]

Lol 


baller4life wrote:


Gmood1 wrote:
My list at the present time.
Alliant FCU : $500 secured loan, checking/savings accounts
NASA FCU : $25k CC and savings account
PenFed FCU : $28k CC, savings account and two auto loans
Navy FCU : $26k CC checking/ savings account, $5k PLOC
Max FCU : checking/savings accounts
Xcel FCU : checking/savings accounts
SDFCU : savings account
Kinetic FCU: checking/savings accounts


So what's the deal with Xcel? Membership requirements? And weren't you the one that posted that they give preapprovals?


The best product they have IMO is the high interest rate checking 2.01% up to $25,000.

Yes I did post that Baller.They use EX for products. Mine are still showing up though I still haven't bothered apping for anything.

NFCU is a strange beast. I requested an increase on my Cash rewards over the weekend. Never received a response. Now they're offering a pre-approved go rewards. Lol

The link to use the code doesn't work properly. I really didn't want another CC and would rather increase the limit on the one I have.

 

SDFCU also sent me a preapproval less than two weeks ago for their CC. 

 

This must be the time if year for preapproval letters and emails?

I just received one from BofA for the Travel rewards (set APR and code)a few days ago. And another from Lumber liquidators (limit already approved)today. Folks say this time of year doesn't make a difference with lenders. I'm finding that hard to believe. Lmao

FICO 8 Scores EQ=753 TU=779 EX=764 (INQ) EQ=19 TU=14 EX=18 TCL=$483,700
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Posts: 13,401
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Re: Official Credit Unions Guide

@Gmood I am already an ACC member. Would I need to specifically join the Maryland chapter for Xcel?
Valued Contributor
Posts: 2,995
Registered: ‎05-27-2015
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Re: Official Credit Unions Guide

No you're fine. Just scan and send in when applying for membership.

FICO 8 Scores EQ=753 TU=779 EX=764 (INQ) EQ=19 TU=14 EX=18 TCL=$483,700
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Super Contributor
Posts: 13,401
Registered: ‎09-13-2013
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Re: Official Credit Unions Guide

Ok thanks Gmood. I will go take a looksy. May put them on the list with Apple! 😉

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