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I'm learning SO much here, it's crazy. Thank you ALL so much for that. I'm working on my CR's, getting some baddies off, waiting for a couple to fall off. I made 2 collosal mistakes. I opened several new accounts, in a weeks span, and went to app spree h*ll. Like really bad. Live and learn I guess. Glad I know better now.
My lasy hurrah is NFCU. I applied for membership on Friday, 7/26, on the phone. Rep suggested I go for credit card, so I thought why not, at this point? Heard nothing all weekend. THAT was torture. Yesterday, Monday 07/29, they emailed me that they need my DL & SSN. Emailed that over, called to confirm it was clear enough. Rep told me it was perfect and that I'd hear something in 24/48 hours. OMG more torture! So, here I sit. Obsessively checking my email, every 5 mins. CreditKarma, nothing. TU, nothing. MyFico, nothing. EX, nothing. No alerts, nada. They haven't even pulled my report yet for membership.... it's killing me.
Whatever happens with NFCU, this will be it. Either I get approved and celebrate, or denied and I cry. LOL. No matter what, after this, I am gardening what I have and waiting for some of my inq's to fall off. Wish me luck!!
Awww, I know the feeling. I hate waiting for a response to anything (credit app, job app, etc). It drives me nuts!!! lol Hang in there
I applied back on 7/2, on 7/4 (yes they work holidays) they called me to get some security info (asking the public record info stuff), on 7/6 I was approved for a $3K limit cash rewards card! I'm totally gardening now, acutally used it to balance transfer some low limit cards over to (better APR on NFCU) and it's been great, will PIF NFCU next month and in about 3-6 mo call and ask if they have any offers of CLI's for me =) you can call customer service and they can send you to underwriting if needed as well. The customer service is fantastic@
Good luck! Please keep us posted.
Thanks for the well wishes! Mini update...
Finally got access number by searching on the website and called in to see what was going on. Super nice guy, Leo, set me up online so I could see my account. YAY! Hurdle one, BAM! Got checking and savings set up. So, I nonchelantly ask about my credit app. No record of it. LOL. The woman who signed me up never added the request. Leo mentioned something about seeing an offer for a Cash Rewards card but I couldn't see it in my offers. I do have a preapproval for an auto loan, so that's good news, right?! Don't need it though. So, I apped for the Cash Rewards and decided to go for a small LOC as well.
Now, I play the waiting game again. LOL. Apps both in around 5:30-6:00pm this evening. Sent a nice little message to the message center explaining a few things and my intentions. Hopefully, that helps! OCD in overdrive, checking status page, message center, email, text messages, etc. Haha!
I know the feeling. I became a member on the 5th of this month and applied for a card over the phone at the same time. I found out I was approved and the limit later that evening. However, it was the Navchek that had me biting through no-chip nails, LOL! I was checking and rechecking because I asked for the max and knew they were going to counteroffer somehow. I was logging in and out all the time. It didn't help that I applied over the weekend. When they finally asked for paystubs and bank statements on the following Monday, I felt a little better for all of 5 minutes. It was another day when it was all approved. TORTURE!
Navy will make you go stir crazy, but it will be better once it all goes well for you... Best of luck! And ditto on keeping us posted.
@kstmommy wrote:Thanks for the well wishes! Mini update...
Finally got access number by searching on the website and called in to see what was going on. Super nice guy, Leo, set me up online so I could see my account. YAY! Hurdle one, BAM! Got checking and savings set up. So, I nonchelantly ask about my credit app. No record of it. LOL. The woman who signed me up never added the request. Leo mentioned something about seeing an offer for a Cash Rewards card but I couldn't see it in my offers. I do have a preapproval for an auto loan, so that's good news, right?! Don't need it though. So, I apped for the Cash Rewards and decided to go for a small LOC as well.
Now, I play the waiting game again. LOL. Apps both in around 5:30-6:00pm this evening. Sent a nice little message to the message center explaining a few things and my intentions. Hopefully, that helps! OCD in overdrive, checking status page, message center, email, text messages, etc. Haha!
LOLOL! I had did the same thing! I left that part out of my original post, but yes, I explained exactly why I was asking for so much from them after only being a member for a week and my intentions for the Navchek. I also threw in how much I loved them and appreciated them giving me the opportunity other companies had not. Yes, yes, I did.
LOL Congrats! My note was very similar!
Good luck kst! I hope you get it!