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APP for NFCU

Moderator Emeritus

Re: APP for NFCU


j_casteel wrote:

with scores like that...be prepared to have a shiny new NFCU card with a $75k limit in the mail soon!


ROFL!  More like 22k for him and 30k for the DGF  Smiley Surprised


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 21 of 41
Valued Contributor

Re: APP for NFCU


webhopper wrote:

j_casteel wrote:

with scores like that...be prepared to have a shiny new NFCU card with a $75k limit in the mail soon!


ROFL!  More like 22k for him and 30k for the DGF  Smiley Surprised


lol, yeah i was exaggerating a lot...but still yet...they will be awesome cards!

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 22 of 41
New Contributor

Re: APP for NFCU

Wow, with scores like that, I would have gone for the NFCU tri-fecta: Visa, Mastercard and Navcheck. 

Message 23 of 41
Moderator Emeritus

Re: APP for NFCU


pinoyscorpion951 wrote:

Wow, with scores like that, I would have god for the NFCU tri-fecta: Visa, Mastercard and Navcheck. 


Nah, no points as there is no multiplier on rewards by having all three.  Cash card is nice Smiley Happy  and they are upgrading them to signature now... Unfortunately I haven't gotten my invitation to upgrade yet Smiley Sad


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 24 of 41
Member

Re: APP for NFCU


pinoyscorpion951 wrote:

Wow, with scores like that, I would have gone for the NFCU tri-fecta: Visa, Mastercard and Navcheck. 


What is this Navcheck everyone is talking about? I have tried looking it up and have had no luck lol.


Starting Score: Aug 2012: TU 747, EX: 664, EQ: 649
Current Score: Aug 2012: TU 747, EX: 664, EQ: 649
Goal Score: ALL AT 750-800

Take the FICO Fitness Challenge


CUR Visa Platinum-3k, NFCU Visa Sig- 17.5k, BestBuy-1.5k
AFW- 3.2k, Express- 1.5k, Macys- 2k, Vickies-2k
Message 25 of 41
Moderator Emeritus

Re: APP for NFCU


Quizzle23 wrote:

pinoyscorpion951 wrote:

Wow, with scores like that, I would have gone for the NFCU tri-fecta: Visa, Mastercard and Navcheck. 


What is this Navcheck everyone is talking about? I have tried looking it up and have had no luck lol.


It isn't called that anymore, its called Overdraft Line of Credit.   It is a line of credit that gives you free overdraft protection (as in no OD fees).  It has a max of 15k and can be used as a revolving personal loan... you can literally order a checkbook for it and write a check against it without ever overdrafting your normal checking account.

You MUST have a checking account with NFCU to be eligible for an Overdraft Line of Credit


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 26 of 41
Valued Contributor

Re: APP for NFCU


Quizzle23 wrote:

pinoyscorpion951 wrote:

Wow, with scores like that, I would have gone for the NFCU tri-fecta: Visa, Mastercard and Navcheck. 


What is this Navcheck everyone is talking about? I have tried looking it up and have had no luck lol.


so what limit did you get approved for?

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 27 of 41
Member

Re: APP for NFCU


webhopper wrote:

Quizzle23 wrote:

pinoyscorpion951 wrote:

Wow, with scores like that, I would have gone for the NFCU tri-fecta: Visa, Mastercard and Navcheck. 


What is this Navcheck everyone is talking about? I have tried looking it up and have had no luck lol.


It isn't called that anymore, its called Overdraft Line of Credit.   It is a line of credit that gives you free overdraft protection (as in no OD fees).  It has a max of 15k and can be used as a revolving personal loan... you can literally order a checkbook for it and write a check against it without ever overdrafting your normal checking account.

You MUST have a checking account with NFCU to be eligible for an Overdraft Line of Credit


Oh a credit reserve. I have one of those with my bank. Yea we have a savings and checking. I don't like the overdraft protection/credit reserve. I pretty much act like I dont have one on my bank account. lol


Starting Score: Aug 2012: TU 747, EX: 664, EQ: 649
Current Score: Aug 2012: TU 747, EX: 664, EQ: 649
Goal Score: ALL AT 750-800

Take the FICO Fitness Challenge


CUR Visa Platinum-3k, NFCU Visa Sig- 17.5k, BestBuy-1.5k
AFW- 3.2k, Express- 1.5k, Macys- 2k, Vickies-2k
Message 28 of 41
Member

Re: APP for NFCU


rootpooty wrote:

Quizzle23 wrote:

pinoyscorpion951 wrote:

Wow, with scores like that, I would have gone for the NFCU tri-fecta: Visa, Mastercard and Navcheck. 


What is this Navcheck everyone is talking about? I have tried looking it up and have had no luck lol.


so what limit did you get approved for?


We have no idea lol thats what I was saying earlier. In the message center it said approved in the status but no other info. I sent them a message and if I dont hear back by tomorrow mid day I will call. 


Starting Score: Aug 2012: TU 747, EX: 664, EQ: 649
Current Score: Aug 2012: TU 747, EX: 664, EQ: 649
Goal Score: ALL AT 750-800

Take the FICO Fitness Challenge


CUR Visa Platinum-3k, NFCU Visa Sig- 17.5k, BestBuy-1.5k
AFW- 3.2k, Express- 1.5k, Macys- 2k, Vickies-2k
Message 29 of 41
Moderator Emeritus

Re: APP for NFCU


Quizzle23 wrote:

webhopper wrote:

Quizzle23 wrote:

pinoyscorpion951 wrote:

Wow, with scores like that, I would have gone for the NFCU tri-fecta: Visa, Mastercard and Navcheck. 


What is this Navcheck everyone is talking about? I have tried looking it up and have had no luck lol.


It isn't called that anymore, its called Overdraft Line of Credit.   It is a line of credit that gives you free overdraft protection (as in no OD fees).  It has a max of 15k and can be used as a revolving personal loan... you can literally order a checkbook for it and write a check against it without ever overdrafting your normal checking account.

You MUST have a checking account with NFCU to be eligible for an Overdraft Line of Credit


Oh a credit reserve. I have one of those with my bank. Yea we have a savings and checking. I don't like the overdraft protection/credit reserve. I pretty much act like I dont have one on my bank account. lol


I was thinking that I "needed" Navcheck.  but my husband quickly reminded me that I had 22k of available credit, and that I didn't "need" another product. It was funny seeing the look on his face as I was trying to explain why I "needed" it.  ROFL.  He looked at me like I'd just lost my mind.

 

I also tried to explain why I "needed"  Amex Lowes card in October. Fortunately for me, he wasn't buying the "need"

 

I found out later that I can easily transfer funds from the Cash Card into my NFCU checking which can then be used to pay my contractor so that he doesn't get those pesky swipe fees. I plan on doing some bathroom remodeling of a rental before the end of the year so that it goes on this years tax statement.    My husband is so smart Smiley Very Happy


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 30 of 41