topic Re: NFCU CLOC Application... in Personal Finance

NFCU CLOC Application...

PicoFico — Tue, 18 Feb 2020 18:03:55 GMT

Today i decided i would apply for a cloc with nfcu and took the approach to ask for 15k and be braced for a counter offer...

I got this intially...

Followed by this...

Is this POI? Not too concerned if it is, mostly just curious if anyone can narrow it down possibly.

Thanks everyone!

-PicoFico

Re: NFCU CLOC Application...

M_Smart007 — Tue, 18 Feb 2020 19:00:06 GMT

@PicoFico wrote:
Today i decided i would apply for a cloc with nfcu and took the approach to ask for 15k and be braced for a counter offer...

I got this intially...

Followed by this...

Is this POI? Not too concerned if it is, mostly just curious if anyone can narrow it down possibly.

Thanks everyone!
-PicoFico

Possible POI

Re: NFCU CLOC Application...

PicoFico — Tue, 18 Feb 2020 19:05:13 GMT

@M_Smart007 wrote:
@PicoFico wrote:
Today i decided i would apply for a cloc with nfcu and took the approach to ask for 15k and be braced for a counter offer...

I got this intially...

Followed by this...

Is this POI? Not too concerned if it is, mostly just curious if anyone can narrow it down possibly.

Thanks everyone!
-PicoFico
Possible POI

Ok... I'm surprised you beat @Saeren to the punch

I'll keep ya guys posted.

Re: NFCU CLOC Application...

Anonymous — Tue, 18 Feb 2020 19:59:24 GMT

@PicoFico wrote:
@M_Smart007 wrote:
@PicoFico wrote:
Today i decided i would apply for a cloc with nfcu and took the approach to ask for 15k and be braced for a counter offer...

I got this intially...

Followed by this...

Is this POI? Not too concerned if it is, mostly just curious if anyone can narrow it down possibly.

Thanks everyone!
-PicoFico
Possible POI
Ok... I'm surprised you beat @Saeren to the punch
I'll keep ya guys posted.

He only beat me because I wasn't sure. I saw your post and didn't want to answer since I don't know. My CLOC was an instant approval but I only asked for $500.

Re: NFCU CLOC Application...

PicoFico — Tue, 18 Feb 2020 20:23:05 GMT

called in after the 3 hour window came and went...

Sounds like the info they wanted was a verbal yes or no to a counter offer of $500. So i said yes, being that I have to start somewhere with it and things grow like weeds at NFCU (not to mention the HP already hit)

Equifax 09: 814

Thanks again all,

-PicoFico

Re: NFCU CLOC Application...

Anonymous — Tue, 18 Feb 2020 20:52:18 GMT

Congrats on the approval. Sorry for the low limit though.

Re: NFCU CLOC Application...

newfossil — Tue, 18 Feb 2020 20:54:37 GMT

congratulations!

Re: NFCU CLOC Application...

Anonymous — Tue, 18 Feb 2020 21:00:23 GMT

Congratulations on your approval! 👍

Re: NFCU CLOC Application...

AllZero — Tue, 18 Feb 2020 21:02:39 GMT

Congratulations on your approval!

Re: NFCU CLOC Application...

Traveler101 — Wed, 19 Feb 2020 01:06:13 GMT

Congrats!

Re: NFCU CLOC Application...

M_Smart007 — Wed, 19 Feb 2020 03:09:22 GMT

@PicoFico wrote:
called in after the 3 hour window came and went...

Sounds like the info they wanted was a verbal yes or no to a counter offer of $500. So i said yes, being that I have to start somewhere with it and things grow like weeds at NFCU (not to mention the HP already hit)

Equifax 09: 814

Thanks again all,
-PicoFico

Congrats!

Re: NFCU CLOC Application...

M_Smart007 — Wed, 19 Feb 2020 03:11:22 GMT

@Anonymous wrote:
@PicoFico wrote:
@M_Smart007 wrote:
@PicoFico wrote:
Today i decided i would apply for a cloc with nfcu and took the approach to ask for 15k and be braced for a counter offer...

I got this intially...

Followed by this...

Is this POI? Not too concerned if it is, mostly just curious if anyone can narrow it down possibly.

Thanks everyone!
-PicoFico
Possible POI
Ok... I'm surprised you beat @Saeren to the punch
I'll keep ya guys posted.
He only beat me because I wasn't sure. I saw your post and didn't want to answer since I don't know. My CLOC was an instant approval but I only asked for $500.

It was really a random guess (POI), as they usually do not counter for CLOC's.

Re: NFCU CLOC Application...

PicoFico — Wed, 19 Feb 2020 05:06:36 GMT

@M_Smart007 wrote:
@Anonymous wrote:
@PicoFico wrote:
@M_Smart007 wrote:
@PicoFico wrote:
Today i decided i would apply for a cloc with nfcu and took the approach to ask for 15k and be braced for a counter offer...

I got this intially...

Followed by this...

Is this POI? Not too concerned if it is, mostly just curious if anyone can narrow it down possibly.

Thanks everyone!
-PicoFico
Possible POI
Ok... I'm surprised you beat @Saeren to the punch
I'll keep ya guys posted.
He only beat me because I wasn't sure. I saw your post and didn't want to answer since I don't know. My CLOC was an instant approval but I only asked for $500.
It was really a random guess (POI), as they usually do not counter for CLOC's.

That's why i posted it! I knew it could be a variety of reasons really, but just put it out there for anyone to guess (and me to brace for if it was possibly something i wasn't prepared for).

You completed the mission perfectly as far as I'm concerned

Re: NFCU CLOC Application...

AllZero — Wed, 19 Feb 2020 05:09:27 GMT

Thanks for sharing the data point.

Re: NFCU CLOC Application...

Anonymous — Wed, 19 Feb 2020 18:25:16 GMT

That's not how negotiations go, you requested high they countered low. This is where you guys meet somewhere in the middle! lol

Congrats aon the approval, and remember that CLi are now SP. For now...

Re: NFCU CLOC Application...

Anonymous — Wed, 19 Feb 2020 20:03:34 GMT

@Anonymous wrote:
That's not how negotiations go, you requested high they countered low. This is where you guys meet somewhere in the middle! lol

Congrats aon the approval, and remember that CLi are now SP. For now...

CLIs for CLOC are still HP.

Re: NFCU CLOC Application...

SFLSpotter9210 — Tue, 31 Mar 2020 21:57:54 GMT

Does cloc go towards your max exposure on TCL? I was thinking of maybe aping for it but if it decreases your max exposure I'll pass.

Re: NFCU CLOC Application...

M_Smart007 — Tue, 31 Mar 2020 23:32:57 GMT

@SFLSpotter9210 wrote:
Does cloc go towards your max exposure on TCL? I was thinking of maybe aping for it but if it decreases your max exposure I'll pass.

@SFLSpotter9210 I am pretty sure that it is separate from max CC exposure.

Re: NFCU CLOC Application...

AllZero — Tue, 31 Mar 2020 23:34:10 GMT

@M_Smart007 wrote:
@SFLSpotter9210 wrote:
Does cloc go towards your max exposure on TCL? I was thinking of maybe aping for it but if it decreases your max exposure I'll pass.
@SFLSpotter9210 I am pretty sure that it is separate from max CC exposure.

Re: NFCU CLOC Application...

SFLSpotter9210 — Tue, 31 Mar 2020 23:36:21 GMT

Thanks that's great news then.