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Already in love with NFCU

Contributor

Already in love with NFCU

Approved for the CC and the overdraft LOC. I asked for 10k on the overdraft loc and I dont know the limit on the card yet but Im happy Smiley Happy Their Overdraft LOC works like a regular LOC I assume? I see a lot of people on here going for it so I think its a safe assumption it isnt like a regular overdraft where you pay it up within 30 days, 10k may be hard to pay back that fast Smiley Tongue Score on EQ is my lowest at 680, TU is 710 and EX is ?? I do have to send in a bank statement and 2 pay stubs for the LOC
Equifax Feb 2012 690
TU Feb 2012 720
Message 1 of 26
25 REPLIES
Regular Contributor

Re: Already in love with NFCU

GoingTo800 - congrats!  Love to hear these stories about NFCU.  I'm joining this week and am super excited.  Did you set up a checking and Direct Deposit as well?

 

I also want to app for the CC and LOC - may I ask what your income is that allowed you to get approved for 10k on the overdraft LOC?

 

Thanks!

Message 2 of 26
Contributor

Re: Already in love with NFCU

Thanks! My income is about $62,000 a year. I figured Id ask for 10 and ask for a increase to 15 in 6 months Smiley Happy
Equifax Feb 2012 690
TU Feb 2012 720
Message 3 of 26
Regular Contributor

Re: Already in love with NFCU

Awesome - I've read in these forums that the LOC reports to all 3 CRA's as a revolving line of credit so it will greatly help with your overall util %.  Hope you get a great CL on the CC.  Which one did you app for? 

Message 4 of 26
Contributor

Re: Already in love with NFCU

I apped for the cash rewards card, those are always easiest for me to manage as far as redeeming Smiley Tongue
Equifax Feb 2012 690
TU Feb 2012 720
Message 5 of 26
Valued Contributor

Re: Already in love with NFCU

Is this just a regular LOC that is linked to your account for overdraft protection?  I can't imagine there are many people that need 10k solely in overdraft protection.  If you have a $10,000 oversight in your monthly budgeting, you're doing something wrong! lol!


Starting Score: EQ: 665 - TU: 687
Current Score: EQ: 749 - TU: ---
Goal Score: EQ: 760 - TU: 760


Take the FICO Fitness Challenge
Message 6 of 26
Contributor

Re: Already in love with NFCU

Little frustrated... I just found out via secure message my CC limit is 5k........ Thats actually one of my lowest.... Most are 6500-7500. I have a 8.5 year old bk and no other baddies. Util is about 20% AAoA 6 years
Equifax Feb 2012 690
TU Feb 2012 720
Message 7 of 26
Contributor

Re: Already in love with NFCU

But navcheck is 10k
Equifax Feb 2012 690
TU Feb 2012 720
Message 8 of 26
Regular Contributor

Re: Already in love with NFCU

I was hoping you'd get 10-15k on the CC ... wonder if the BK affected the initial CL.  Do you know if you're able to call NFCU and request they bump up the starting CL on the CC?

 

Congrats on the 10k LOC!

Message 9 of 26
Valued Contributor

Re: Already in love with NFCU

I wouldn't worry too much about the starting limit on CC. Sit tight for 6 mos and then ask for a cli
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 10 of 26