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Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: Too much credit with NFCU?

Well you are different! Lol your income its more than 3x mine
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
creditnocash
Posts: 2,187
Registered: ‎07-23-2012

Re: Too much credit with NFCU?


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: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 6 TU 3 EX 4 | Most Recent: 09/04/2013
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2014 Goals:
Lower Utility

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Valued Contributor
rootpooty
Posts: 1,715
Registered: ‎10-28-2011

Re: Too much credit with NFCU?


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

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!
Valued Contributor
rootpooty
Posts: 1,715
Registered: ‎10-28-2011

Re: Too much credit with NFCU?


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?

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!
Established Contributor
swpopham
Posts: 540
Registered: ‎06-02-2012

Re: Too much credit with NFCU?

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
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: Too much credit with NFCU?

@Swpopham
Do we ficonauts get discounts at your store? :smileytongue: need new stereo for my car lol
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)
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Too much credit with NFCU?

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: 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
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Frequent Contributor
Mellon
Posts: 338
Registered: ‎08-31-2007

Re: Too much credit with NFCU?


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

| NFCU Cashrewards $14,000 | NFCU Platinum $12,000 | NFCU Navchk $10,000 | Amex BCE $3,000 | Amex HHonors $1,700 | Chase Freedom $3,300 | Chase Sapphire Preferred $5,000 | BOA 3-2-1 $5,000 | Barclays Apple $4,450 | CapOne Quicksilver $1,000 | OCCU Beaver $5,000 | CITI Diamond Preferred $2,500| Citi TYP $5,000 | GTE FCU $3,000 | | Discover IT $3,500 | Walmart Discover $8,000 | NCSECU $750 | NASA FCU $2,000| Chase Slate $4,000 | Barclays Reward MC $1,500| Best Buy $3,000 | Wells Fargo $3,000 | Chase Amazon $3,000
Valued Contributor
rootpooty
Posts: 1,715
Registered: ‎10-28-2011

Re: Too much credit with NFCU?

Thanks for the replies

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!
Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011

Re: Too much credit with NFCU?

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 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

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


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