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so i applied on 3/7/11 , got a call to send in paystubs , i make 9800 a month ... so they wanted to verify it ...faxed them yesterday , today they call me want copy of my id and ssn ....i already faxed them that when i join the CU anyway i send it agian ..... few hours later they wanted my W2 so i send them that ....few hours later they called now they want a verification of my address like utily bill ...so i faxed them that by this time i am so upset that if they give me any thing less them 7500 i will tell them to cancel my membership and i dont want the card ..... and guess what i called to check the status ...they told me they got every thing they wanted but now fraud dept is looking at it so call back tommrrow ...what the hell ....i feel like i am buying a house ...so my qus is have any one esle went throu this and if you did ...did u get approved or they just wasting my time thanks
OP - Would you mind editing your paragraph. It's quite taxing to read it without the punctuation marks. Also, the excessive use of ellipses may confuse readers.
Hmmm.... never heard of anyone having that much of an issue. My fiance's credit sucks and they just approved her instantly for 5k without her having to send them ANY of that information.
umm I understand that you are mad at the problem, but it sounds to me that you need to step back and be glad that they are actually working a fraud issue on yoru case.
have you seen a recent copy of you credit report? Is there any loans on it?
It seems to me there is an identity theft, or fraud issue and they are simply doing due diligence.
Work with it.
UPDATE :
so finaly after 2 weeks , they finaly got decision made , Approved for small limit of $3500 but i guess i take it for now and i was told that use the card for next 6 months and ask for cli but they did deny me for LOC they say i have too much debt .
@Anonymous wrote:UPDATE :
so finaly after 2 weeks , they finaly got decision made , Approved for small limit of $3500 but i guess i take it for now and i was told that use the card for next 6 months and ask for cli but they did deny me for LOC they say i have too much debt .
Sometimes there seems neither rhyme or reason to these things. The good news is that after a while Navy Federal will get to know you and you'll see that they can be quite nice.
Why do you think that they said you have too much debt?
@Anonymous wrote:UPDATE :
so finaly after 2 weeks , they finaly got decision made , Approved for small limit of $3500 but i guess i take it for now and i was told that use the card for next 6 months and ask for cli but they did deny me for LOC they say i have too much debt .
So, how much do you owe? Maybe they got a point there.
It's ok to come here and vent. However, a bit more constructive information on your part would make a thread like this more valuable to everyone.
Debt to income will definitely do it. I don't make anywhere near what the OP does and I was instantly approved for NFCU cashRewards with a $17k CL earlier this week. Other than a few hundred dollars that I let report, I don't have any debt. NFCU never asked me for any paperwork when I joined or when I applied for the card.
my income is 9800/month
4 car loans totaling 147,000 balance on them right now around 135,000
2 are mine and 2 i have co-signed
total payment on that is 2500
i paid of all my credit crards total debt 19,000 only one card showing balance of 2400 since it wasnt upated yet.
i dont have a house payment .
it will change cuz i just traded my 4runner for 2011 toyota sequoia got it finance at 6.99 apr loan amount 998/mo i was paying 650 for my 4runner so diffrance of 350 a month and total amount finance is 60,000 , 4runner balance was 37,000
i hope this help u guys and my scores are above 700
@Anonymous wrote:my income is 9800/month
4 car loans totaling 147,000 balance on them right now around 135,000
2 are mine and 2 i have co-signed
total payment on that is 2500
i paid of all my credit crards total debt 19,000 only one card showing balance of 2400 since it wasnt upated yet.
i dont have a house payment .
it will change cuz i just traded my 4runner for 2011 toyota sequoia got it finance at 6.99 apr loan amount 998/mo i was paying 650 for my 4runner so diffrance of 350 a month and total amount finance is 60,000 , 4runner balance was 37,000
i hope this help u guys and my scores are above 700
I'm glad I ran across this thread even though it's older. A good friend of mine was told by his bank they couldn't give him a larger HELOC due to having 4 car loans, that once 1 or better yet 2 of them are paid off (or very near it) that lenders (including them) would be much more willing. I wonder if that was Max's issue and it just wasn't stated? I'd be willing to guess that Max's CL has probably increased with Navy by now actually.