Re: Too much credit with NFCU?

jsickz32 · ‎06-25-2012

Well you are different! Lol your income its more than 3x mine

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / BofA Total rewards (2500) / BofA Amex (3900) / Bofa cash rewards (5700) / BofA Privileges Cash Rewards (5000) / Citi Forward (3000) / Chase Freedom (3500) / Discover IT (1700) / FNBO AMEX (3600) / Barclays Apple Visa (3960) / NFCU cashRewards Visa signature (12500) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / 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 (601) / PayPal Smart connect (2200)

creditnocash · ‎07-23-2012

swpopham wrote:
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

what do you do for work? i want that job!

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)
Starting total revolving credit: $2600 | Current total revolving credit: $21,600
Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012

2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000

rootpooty · ‎10-28-2011

swpopham wrote:
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

4 letter explicits flew out of my mouth when I saw this lol

rootpooty · ‎10-28-2011

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

this is what i was looking for. whats your income if you dont mind sharing?

swpopham · ‎06-02-2012

I own a stereo shop and am a welding inspector for department of transportation pipelines.

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar

jsickz32 · ‎06-25-2012

@Swpopham
Do we ficonauts get discounts at your store?

need new stereo for my car lol

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / BofA Total rewards (2500) / BofA Amex (3900) / Bofa cash rewards (5700) / BofA Privileges Cash Rewards (5000) / Citi Forward (3000) / Chase Freedom (3500) / Discover IT (1700) / FNBO AMEX (3600) / Barclays Apple Visa (3960) / NFCU cashRewards Visa signature (12500) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / 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 (601) / PayPal Smart connect (2200)

webhopper · ‎09-16-2011

I have navcheck 15k. Used auto loan 15k; cash rewards 22k; new auto loan 45k

I provided bank statements; investment account statements; w2s; paystubs etc. For the used auto which was a refi. Everything else was approved with no further verification. Income is 124k per year. My husband was co signer on the new auto loan. His income is 65k per year. His paystubs were provided when he apped for his platinum card which started at 2500 and is now at 9k. I became a member in march 2012. My husband got his platinum card in may 2012.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!

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Mellon · ‎08-31-2007

rootpooty wrote:
Mellon wrote:
i have a $14K Cashrewards, a $7k Platinum Card, $10k Navchek and an 8k personal loan...i have dd
this is what i was looking for. whats your income if you dont mind sharing?

i make approx 83k a year

rootpooty · ‎10-28-2011

Thanks for the replies

bichonmom · ‎05-05-2011

I'm not sure that navy would weigh their total threshold for loss the same among the different types of accts. I do know that the amt that you're approved for with Navchek is based on your credit, and the interest rate is the same for everyone. As you mentioned, an auto loan would likely be weighed differently because it is a secured loan. I don't think that would count the same as an unsecured loan for their loss threshold.

that said, if you know you're going to be getting an auto loan, you might want to hold off and get the Navchek afterwards. It does seem that they want proof of income for auto loans, so it might make getting the navchek easier if they already have that info. Also, if you do run across a max ceiling for total credit, your auto loan would probably be a priority for you over Navchek.

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EQ FICO 731 | TU FICO 751 (Walmart) | EX FAKO 748 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

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