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Frequent Contributor
Posts: 462
Registered: ‎06-27-2012
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Decided for click the luv button for NFCU cash

I got a 3-5 day message account in 2 months old, I requested that my new limit go up to 40k from 25k to help with utilization I currently have a 23k balance but have been paying 1k a month... What exactly does 3-5 day mean?
Established Contributor
Posts: 835
Registered: ‎10-11-2013
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Re: Decided for click the luv button for NFCU cash

I know with other banks, if I get the "7-10 day" message, that usually means it's declined. But it just means that it will have a person look over it.

 photo ScreenShot2013-10-12at111542PM.png photo NUS000000012_160X101_STRAIGHT.gif photo NUS000000180_160X101_STRAIGHT.gif photo DISCOVER_IT_LG.gif photo HNY2HNY2.png photo bankamericard-better-balance-rewards-credit-card-small.png photo SLM2SLM2.png
$6500 ............ $5400 ............ $5000 ............ $5000............ $4250 ............ $3000 ............ $1000 ............ $1000
In the Garden until at least May 2015.
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Registered: ‎09-13-2012
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Re: Decided for click the luv button for NFCU cash

No offense but you've have added quite a bit of cc's/debt in the past few months. IIRC, there was an issue with being self-employed on your first app to NFCU. Were you able to correct that and if so are you prepared to show tax returns for the $40k?
Frequent Contributor
Posts: 462
Registered: ‎06-27-2012
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Re: Decided for click the luv button for NFCU cash

Yes I am prepared to provide tax forms.
Frequent Contributor
Posts: 462
Registered: ‎06-27-2012
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Re: Decided for click the luv button for NFCU cash

And yes it was corrected
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Re: Decided for click the luv button for NFCU cash

Frequent Contributor
Posts: 462
Registered: ‎06-27-2012
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Re: Decided for click the luv button for NFCU cash

In you experience what does the 3-5 day message typically mean thou?
Moderator
Posts: 27,205
Registered: ‎09-13-2012
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Re: Decided for click the luv button for NFCU cash

Frequent Contributor
Posts: 462
Registered: ‎06-27-2012
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Re: Decided for click the luv button for NFCU cash

Ok thanks
Valued Contributor
Posts: 2,778
Registered: ‎07-17-2013
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Re: Decided for click the luv button for NFCU cash

Any cLI over $25k with navy is an automatic 1) go, and 2) manual review. Even if your card is sitting at $25k and you request $26, it's automatic HP anything over $25k
(BK7 d/c:08/19/13~FICO-400's)--->01/2015 EQ 640,EX 666,TU 657
$129,930 avail credit- plus a $15k LOC
Total revolving credit reporting is 1%
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