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Finally NFCU CLOC APPROVED!

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joltdude
Senior Contributor

Re: Finally NFCU CLOC APPROVED!

Congrats on the jettson of the Credit One...

 

Are you paying a monthly fee or AF... get rid of it...

 

The only exception would be i might consider keeping the Merrick around untill you get a CLI on the Navy, if you have a balance on any cards... otherwise... that too should be axed BEFORE an AF kicks in... if it has a monthly fee.. ...id still consider kicking it sooner not later.. regardless of getting the CLI from Navy. 

Still rather you just pulled off the bandaid but... only the Cap One and the NFCU card are really going to age, and grow,  and youll probably keep for a long time....

 

 

 

 

Message 21 of 38
TXinandout
Frequent Contributor

Re: Finally NFCU CLOC APPROVED!


@kobe2012 wrote:
Applied 4 times since membership opened in July 2016, finally got an approval today .. only asked $5000... BK 7 discharged 12/2015... does anyone know how I can send in the documents online??

Kobe, did you get approved for the second card or CLI????

BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 22 of 38
kobe2012
Established Contributor

Re: Finally NFCU CLOC APPROVED!


@joltdude wrote:

Congrats on the jettson of the Credit One...

 

Are you paying a monthly fee or AF... get rid of it...

 

The only exception would be i might consider keeping the Merrick around untill you get a CLI on the Navy, if you have a balance on any cards... otherwise... that too should be axed BEFORE an AF kicks in... if it has a monthly fee.. ...id still consider kicking it sooner not later.. regardless of getting the CLI from Navy. 

Still rather you just pulled off the bandaid but... only the Cap One and the NFCU card are really going to age, and grow,  and youll probably keep for a long time....

 

 

 

 


I paid the annual fee when I opened the card... I will most likely close it in April before they charge me... I pay in full so my utilization is ok... 


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 23 of 38
kobe2012
Established Contributor

Re: Finally NFCU CLOC APPROVED!


@TXinandout wrote:

@kobe2012 wrote:
Applied 4 times since membership opened in July 2016, finally got an approval today .. only asked $5000... BK 7 discharged 12/2015... does anyone know how I can send in the documents online??

Kobe, did you get approved for the second card or CLI????


I didn't get approve for a second card or a cli... i tried it before the AR happened.. not sure if it would've made a difference.. my sixth statement cuts next week and will prolly try again .. lol.. I know the inquiries are hurting me but I could live with it.. I will try again next week and possibly for a second card the end of this month ..


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 24 of 38
TXinandout
Frequent Contributor

Re: Finally NFCU CLOC APPROVED!


@kobe2012 wrote:

@TXinandout wrote:

@kobe2012 wrote:
Applied 4 times since membership opened in July 2016, finally got an approval today .. only asked $5000... BK 7 discharged 12/2015... does anyone know how I can send in the documents online??

Kobe, did you get approved for the second card or CLI????


I didn't get approve for a second card or a cli... i tried it before the AR happened.. not sure if it would've made a difference.. my sixth statement cuts next week and will prolly try again .. lol.. I know the inquiries are hurting me but I could live with it.. I will try again next week and possibly for a second card the end of this month ..


For sure you will have an incredible after that 6th statement, doors are opening for you now with NAVY.

BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 25 of 38
kobe2012
Established Contributor

Re: Finally NFCU CLOC APPROVED!


@TXinandout wrote:

@kobe2012 wrote:

@TXinandout wrote:

@kobe2012 wrote:
Applied 4 times since membership opened in July 2016, finally got an approval today .. only asked $5000... BK 7 discharged 12/2015... does anyone know how I can send in the documents online??

Kobe, did you get approved for the second card or CLI????


I didn't get approve for a second card or a cli... i tried it before the AR happened.. not sure if it would've made a difference.. my sixth statement cuts next week and will prolly try again .. lol.. I know the inquiries are hurting me but I could live with it.. I will try again next week and possibly for a second card the end of this month ..


For sure you will have an incredible after that 6th statement, doors are opening for you now with NAVY.


I hope so.. they keep denying me due to "bankruptcy " just doesn't make any sense.. should I try when sixth statement posts or sixth month on having the card?


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 26 of 38
TXinandout
Frequent Contributor

Re: Finally NFCU CLOC APPROVED!


@kobe2012 wrote:

@TXinandout wrote:

@kobe2012 wrote:

@TXinandout wrote:

@kobe2012 wrote:
Applied 4 times since membership opened in July 2016, finally got an approval today .. only asked $5000... BK 7 discharged 12/2015... does anyone know how I can send in the documents online??

Kobe, did you get approved for the second card or CLI????


I didn't get approve for a second card or a cli... i tried it before the AR happened.. not sure if it would've made a difference.. my sixth statement cuts next week and will prolly try again .. lol.. I know the inquiries are hurting me but I could live with it.. I will try again next week and possibly for a second card the end of this month ..


For sure you will have an incredible after that 6th statement, doors are opening for you now with NAVY.


I hope so.. they keep denying me due to "bankruptcy " just doesn't make any sense.. should I try when sixth statement posts or sixth month on having the card?


I'm going for my first CLI next month once I pay my card to $0. I wanted to wait for both, 6 month and statement to be sure.

BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 27 of 38
Aduke1122
Senior Contributor

Re: Finally NFCU CLOC APPROVED!

Hey Kobe I was denied once again for the CLI , I will have 6 mths of statements in about 2 weeks , I just got the letter for reasons why it was denied , too many Inquires in the last 12 mths , and too many accts opened in last 24 mths .. I made a post on the Navy fed CLI thread giving specific data pts . I don't think I will be trying again for atleast 6 mths . Everyone said that they are not inquiry sensitive but that was my main reason for denial .. and a good 6 of my HPS are from them alone . Anyways definitely decided not to try for the CLOC either right now .
Message 28 of 38
kobe2012
Established Contributor

Re: Finally NFCU CLOC APPROVED!


@Aduke1122 wrote:
Hey Kobe I was denied once again for the CLI , I will have 6 mths of statements in about 2 weeks , I just got the letter for reasons why it was denied , too many Inquires in the last 12 mths , and too many accts opened in last 24 mths .. I made a post on the Navy fed CLI thread giving specific data pts . I don't think I will be trying again for atleast 6 mths . Everyone said that they are not inquiry sensitive but that was my main reason for denial .. and a good 6 of my HPS are from them alone . Anyways definitely decided not to try for the CLOC either right now .

I'll try again the end of this month and if it gets denied, I'll try again on the next AR.. they're just weird but I think you might have a shot at CLOC .. 


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 29 of 38
Aduke1122
Senior Contributor

Re: Finally NFCU CLOC APPROVED!

I'm gonna think about it , idk they are really weird and who knows wth they are looking for lol
Message 30 of 38
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