Reply
Regular Contributor
XxRaVeNxX
Posts: 201
Registered: ‎08-19-2012

Re: NFCU LOC (NavCheck)

Is it true that you have to be a member for 90 days before you can apply for NavCheck? Anyone gotten around this?

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: NFCU LOC (NavCheck)

[ Edited ]

I was approved for truck refinance; cash rewards card in march.
Approved for navcheck in Sept.
will apply for new vehicle loan with my dear husband in a few weeks. Looking to buy a new Volvo and take overseas delivery


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
New Contributor
mfoxxx
Posts: 53
Registered: ‎01-01-2012

Re: NFCU LOC (NavCheck)

I was approved within a month of opening my accounts. 

In the garden, April 12, 2014 and gardening remainder 2014!





Regular Contributor
bbrannan
Posts: 199
Registered: ‎12-11-2009

Re: NFCU LOC (NavCheck)

I joined NFCU the first week of July and was approved for LOC about 30 days later. So I don't think you have to wait 90 days. The only 90 days wait that I know of is the $500 overdraft protection as well as the mobile deposit.

Cards: AMEX Zync NPSL, AMEX BCE, NFCU LOC $15K, NFCU Visa Signature cashRewards $14K, NFCU Flagship Visa Signature $14K, USAA Platinum M/C $3.5K, USAA AMEX $2K, Capital One Cash Rewards $3.5K, WalMart $10K, Lowes $10K, Home Depot $8250, Amazon $4K, Discover IT $1K

Starting Score: EX: 570 EQ: 520 TU 602
Current Score: AMEX EX:717 MyFico EQ 688 Walmart TU 749 MyFico TU 740
Goal Score: 750+ across the board


Take the FICO Fitness Challenge
Contributor
jonmartin
Posts: 92
Registered: ‎06-05-2009

Re: NFCU LOC (NavCheck)

Navcheck LOC whats the point is it an overdraft protection sort of thing?

NFCU Flagship Rewards Visa Signature $5,000
NFCU NavCheck LOC $10,000
Chase INK Cash $5,000
Chase Freedom $1,500
Bank of America Cash reward 123 $5,000
Barclays Arrival World MC $3,000
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: NFCU LOC (NavCheck)

You can get checks issued from it and use the checks for what you need. Basically it is a revolving LOC that can be used in place of a personal loan.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Super Contributor
CS800
Posts: 6,546
Registered: ‎04-07-2008

Re: NFCU LOC (NavCheck)

I applied for everything when I joined. Just to get it over and done with. Although they get HP happy for each app unless its the same type of product.



Regular Contributor
XxRaVeNxX
Posts: 201
Registered: ‎08-19-2012

Re: NFCU LOC (NavCheck)


jonmartin wrote:

Navcheck LOC whats the point is it an overdraft protection sort of thing?


It's great for utilization...it reports as a credit card on your credit report...

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012
Valued Contributor
rootpooty
Posts: 1,690
Registered: ‎10-28-2011

Re: NFCU LOC (NavCheck)

The only thing I didn't know until yesterday is that the LOC has no grace period
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 3k | BOFA 123 3k |
Chase Freedom 1.5k | Amazon 1800 | Walmart 1450 | Buckle 300

On the prowl for Chase Sapphire Preferred!
New Contributor
Elcid89
Posts: 567
Registered: ‎10-04-2012

Re: NFCU LOC (NavCheck)


XxRaVeNxX wrote:

Is it true that you have to be a member for 90 days before you can apply for NavCheck? Anyone gotten around this?


No. My NAVChek was approved 2 days after I joined. I applied for it on the same day that I joined. Ditto my credit card and auto refi.

 

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+