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NFCU LOC (NavCheck)

Regular Contributor

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
Message 11 of 21
Moderator Emeritus

Re: NFCU LOC (NavCheck)

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!



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Message 12 of 21
New Contributor

Re: NFCU LOC (NavCheck)

I was approved within a month of opening my accounts. 

In the garden, Sep 10, 2015.
Message 13 of 21
Regular Contributor

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


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Message 14 of 21
Highlighted
Contributor

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 $10,000
Chase Freedom $1,500
Bank of America Cash reward 123 $5,000,Barclays Arrival World MC $3,000,Amazon Prime Card $3,500
Message 15 of 21
Moderator Emeritus

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
Message 16 of 21
Super Contributor

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.



Message 17 of 21
Regular Contributor

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
Message 18 of 21
Valued Contributor

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 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 19 of 21
Contributor

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

Message 20 of 21