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Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
0

Too much credit with NFCU?

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.

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
Valued Contributor
Posts: 1,922
Registered: ‎06-21-2012
0

Re: Too much credit with NFCU?

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. 

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Too much credit with NFCU?

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.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
0

Re: Too much credit with NFCU?


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.


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

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
Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Too much credit with NFCU?

The limit in my cashrewards is 10k and 5k flagship. And no ill let you go first :smileyhappy:
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Too much credit with NFCU?

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.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
0

Re: Too much credit with NFCU?


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.

Time for drapping!!!!


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
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My Journey
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Too much credit with NFCU?

Only after refi :smileywink:


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Frequent Contributor
Posts: 438
Registered: ‎08-31-2007
0

Re: Too much credit with NFCU?

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

Established Contributor
Posts: 554
Registered: ‎06-02-2012
0

Re: Too much credit with NFCU?

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

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