Credit Cards

[rootpooty]

Im going through a dilema and need my NFCU to chime in and give suggestions.

14 mos ago I started with a 500 secured nrewards card that just PC'ed to a 3k cash rewards last month.

5/12 I opened up a Visa Plat. card 1K limit and had it raised to 5K last month.

Ive been a member for about a year and a half.

I really would like to app for a LOC (NAVCHECK) and more then likely do an auto loan through them but I wouldnt need more than 15K

My income is 50k and according to my last phone call with UW my DTI is pretty good cause I have no installment loans just CC payments, rent, utilities and everyday cost of living.

Do any of you have CC, auto loan, navcheck the works with them?

I do have DD with them but I only have 50 bucks DD every 2 weeks.  I do it for like a small savings.

My EQ fico prob dropped to I would say 650-660 due to the new accounts and 2 inquiries from last month with a 200.00 baddie due to fall off in May but NFCU didnt even question me about it when I was talking to UW last month.

[j_casteel]

I think there was a member post up the other day about having a plethora of different types of credit/loans with them.

I don't see any issues with it, and I think they would welcome the business from you. 

[jsickz32]

my income is close to yours and last time i talk to CSR when opening my Flaghship i was told that at this moment i had reach my limit with them. now i dont know if she meant as in CL on my cards, i just said oh ok lol. i also want to apply for NavCheck but im afraid.

[rootpooty]

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jsickz32 wrote:

my income is close to yours and last time i talk to CSR when opening my Flaghship i was told that at this moment i had reach my limit with them. now i dont know if she meant as in CL on my cards, i just said oh ok lol. i also want to apply for NavCheck but im afraid.

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Ill app for the navcheck if you do lol you first!  Maybe thats on your CC accounts.  I would think that auto loan is different cause there is collateral.  You default and they take it where as a CC can be more difficult.

What are your limits on your CC's with them if you dont mind me asking?

If your current CC limits are near your income I can see that making them shaky lol

[jsickz32]

The limit in my cashrewards is 10k and 5k flagship. And no ill let you go first

[Duncanrr]

Part of me wants to app for another product of theirs to see what CL they might give me. I would choke if they matched my 25k CL on my flagship.

[madmann26]

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Duncanrr wrote:
Part of me wants to app for another product of theirs to see what CL they might give me. I would choke if they matched my 25k CL on my flagship.

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Time for drapping!!!!

[Duncanrr]

Only after refi

[Mellon]

i have a $14K Cashrewards, a $7k Platinum Card, $10k Navchek and an 8k personal loan...i have dd

[swpopham]

I wouldnt worry about that at all if you go over 250k with them it takes upper management to approve though

ME:

NavChek-15k

Cashrewards 10.5

72k auto

69k auto

22k 4-wheeler   my income is 165ish

wife-

navChek-15k

cashrewards-15k- wifes income is 65ish

boat- 35k