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Mega Contributor
Creditaddict
Posts: 19,600
Registered: ‎10-23-2007
0

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

Employment will either not be verified or they will ask for last 2 pay stubs. They do not accept income that is not verified by taxes, like checking account statements, PayPal, etc.

And no card really easier unless you can't get full $5k then you can't get navy signature (the black card) I prefer the cash.

Well if mortgage shopping maybe not but why not get pre-approved with navy for it?
Higher credit line would probably help you!
Fico Scores: EQ 657 Cabelas, TU 662 Walmart, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 40 Cards in between :smileytongue:
Contributor
Sitori
Posts: 268
Registered: ‎10-25-2012
0

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

[ Edited ]

What do you do if you don't have actual paystubs?

 

You're saying you like the cash rewards card? I have one from Discover, but I heard this one is better? I just wasn't sure if one card was harder to get vs. the others due to required income amount, or required FICO score...those types of things.

 

BTW....do you have to open the checking/savings account with a minimum amount and/or keep a minimum balance?


-------------------------------------------------------------------------------------------------
EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).
Community Leader
Valued Contributor
starry1
Posts: 2,079
Registered: ‎11-29-2012
0

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

I really have to stay out of these NFCU theads.  I have a ways to go before I can ask for my first CLI.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 8/30/14 TU 611; EQ 650; EX 640
Goal Score:  625 for now– New goal 675

Cap1 sec $700 (SD) / FP $300 (closed) / Fingerhut $1300 / nRewards $2.5k / cashRewards $1.5k / NavChek $2.5k
Amazon $1.7k / Walmart $1k / Von Maur $200 /Firestone $1.2k (last app 10/08/13)
Mega Contributor
Creditaddict
Posts: 19,600
Registered: ‎10-23-2007
0

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

No card less income or Fico to get outside of secured which does not matter income.
2012 taxes might work.
Fico Scores: EQ 657 Cabelas, TU 662 Walmart, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 40 Cards in between :smileytongue:
Contributor
Sitori
Posts: 268
Registered: ‎10-25-2012
0

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

So asking for paystubs is something they randomly decide to do?

 

Is it usually when asking for a CLI on an existing card, or when applying for a new card.

 

 


-------------------------------------------------------------------------------------------------
EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).
New Contributor
riker20
Posts: 65
Registered: ‎08-23-2012
0

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

NFCU has never asked me for a paystub.   However, I do have my direct deposit with them, so they can see how much I make.  My next CLI will be for 50k and I'm certain it will be a HP. 

 

CreditAddict - I think you are right on track with your theory that anything over 25k is automatic 3-5 day message. 

NFCU Flagship - 50k | Chase Sapphire Preferred - 38k | AMEX BCE - 29.3k | Best Buy Store Card - 21k | Furniture Row - 19.7k | Lowes Card - 16k | NFCU LOC - 15k | Amazon Store - 12k | Macy's - 6000
Mega Contributor
Creditaddict
Posts: 19,600
Registered: ‎10-23-2007
0

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"


Sitori wrote:

So asking for paystubs is something they randomly decide to do?

 

Is it usually when asking for a CLI on an existing card, or when applying for a new card.

 

 


I don't know what triggers income verification... my roommate joined and got instant approval for $7k which is about $5k more than highest, he was maxed 99% on ALL cards, had a 30 day late within last 60 days and was not asked for income... oh and a score about 80 points lower than myself and I have been asked for income EVERY time I have applied.

My partner was asked for income for refi on a car back when he first joined, but so far nothing additional since.

I have had 2 other friends or family join and get credit within first week and not get income verification.

I really didn't luck out on that at all! I have no idea what makes them want to verify vs. not. I even tried putting ALL my money into them for a while running over $6k a month in deposits an they still wanted income verification and that was that.

Fico Scores: EQ 657 Cabelas, TU 662 Walmart, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 40 Cards in between :smileytongue:
Contributor
Sitori
Posts: 268
Registered: ‎10-25-2012
0

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

wow how weird.   I guess I'll just have to hope for the best lol.  I mean I can give them some sort of tax info possibly, or maybe use my fiance as a co-signer...although his credit is horrible, but he has the paystubs lol.  Sigh. We have a joint wells fargo checking/savings account so his direct deposit shows there as in my account as well. Maybe a statement showing the direct deposit would work? He doesnt even get a physical paystub..it's all electronic.

 

I guess I'll just have to take my chances when I apply and see what happens. Maybe I'll get lucky..for once. haha.

 

It is a HP when applying for a checking account with them though right?


-------------------------------------------------------------------------------------------------
EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).
Mega Contributor
Creditaddict
Posts: 19,600
Registered: ‎10-23-2007
0

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

Yes
Fico Scores: EQ 657 Cabelas, TU 662 Walmart, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 40 Cards in between :smileytongue:
Frequent Contributor
JollehRoger
Posts: 264
Registered: ‎06-05-2011
0

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

On the CashRewards Visa Signature card does it say that it's a Signature card on it? Like the Flagship Rewards card does in the picture below.


Scores: TU - 762 (Discover FICO - 6/01/2014), EQ - 716 (MyFico FICO - 12/1/2013)
Current Cards: NFCU cashRewards Sig - 5k, Amex BCE - 6.8k, Discover It - 5k, Citi Dividend WE- 5k, Chase Freedom - 2.5k
Last App: 6/10/2014. In the garden for a few years.

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