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Contributor
GoingTo800
Posts: 91
Registered: ‎01-24-2012

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 :smileyhappy: 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 :smileytongue: 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
Regular Contributor
Whereis750
Posts: 187
Registered: ‎06-17-2011

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!

Contributor
GoingTo800
Posts: 91
Registered: ‎01-24-2012

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 :smileyhappy:
Equifax Feb 2012 690
TU Feb 2012 720
Regular Contributor
Whereis750
Posts: 187
Registered: ‎06-17-2011

Re: Already in love with NFCU

[ Edited ]

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? 

Contributor
GoingTo800
Posts: 91
Registered: ‎01-24-2012

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 :smileytongue:
Equifax Feb 2012 690
TU Feb 2012 720
Valued Contributor
thrasher865
Posts: 1,163
Registered: ‎05-21-2008

Re: Already in love with NFCU

[ Edited ]

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


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Contributor
GoingTo800
Posts: 91
Registered: ‎01-24-2012

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
Contributor
GoingTo800
Posts: 91
Registered: ‎01-24-2012

Re: Already in love with NFCU

But navcheck is 10k
Equifax Feb 2012 690
TU Feb 2012 720
Regular Contributor
Whereis750
Posts: 187
Registered: ‎06-17-2011

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!

Valued Contributor
rootpooty
Posts: 1,711
Registered: ‎10-28-2011

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 3k | BOFA 123 3k |
Chase Freedom 1.5k | Amazon 1800 | Walmart 1450 | Buckle 300

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