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Holy NFCU!!

Established Contributor

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
Message 21 of 40
Valued Contributor

Re: HOLY NFCU!!

Nice CL, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 22 of 40
Frequent Contributor

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
Message 23 of 40
Epic Contributor

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.

Message 24 of 40
Frequent Contributor

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
Message 25 of 40
Epic Contributor

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.

Message 26 of 40
Frequent Contributor

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
Message 27 of 40
Contributor

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

Message 28 of 40
Frequent Contributor

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
Message 29 of 40
Regular Contributor

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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Message 30 of 40