topic Re: NFCU LOC (NavCheck) in Credit Cards

NFCU LOC (NavCheck)

Anonymous — Fri, 28 Sep 2012 18:43:42 GMT

Has any app'd for this before. My friend is looking where to apply but he cant find the tab for the NavCheck LOC?

Re: NFCU LOC (NavCheck)

bbrannan — Fri, 28 Sep 2012 18:47:30 GMT

Log into account and select ACCOUNT SERVICES. Look under SAVINGS AND CHECKING select MORE at the bottom. Then choose APPLY FOR OVERDRAFT LINE OF CREDIT. Good luck!

Re: NFCU LOC (NavCheck)

CS800 — Fri, 28 Sep 2012 18:50:22 GMT

Log on to your NFCU

Click on 'Account Services'

On drop down menu at tthe botton, there should be an option for Apply for an Overdraft Line of Credit

Re: NFCU LOC (NavCheck)

webhopper — Fri, 28 Sep 2012 19:03:14 GMT

@CS800 wrote:
Log on to your NFCU

Click on 'Account Services'

On drop down menu at tthe botton, there should be an option for Apply for an Overdraft Line of Credit

Tell her to call and apply over the phone. When I applied, they instantly approved me for 15k, which is the max.

Good Luck!

Re: NFCU LOC (NavCheck)

CS800 — Fri, 28 Sep 2012 19:11:00 GMT

@webhopper wrote:
@CS800 wrote:
Log on to your NFCU

Click on 'Account Services'

On drop down menu at tthe botton, there should be an option for Apply for an Overdraft Line of Credit
Tell her to call and apply over the phone. When I applied, they instantly approved me for 15k, which is the max.

Good Luck!

+1 Same here. Applied over the phone wit instant approval

Re: NFCU LOC (NavCheck)

Anonymous — Fri, 28 Sep 2012 19:25:06 GMT

Ok thanks Guys

Re: NFCU LOC (NavCheck)

Anonymous — Fri, 28 Sep 2012 19:30:21 GMT

Ok guys he app'd before I could get him the info and he did it online but was not approved!!! Should he call in and recon???

Re: NFCU LOC (NavCheck)

webhopper — Fri, 28 Sep 2012 21:04:06 GMT

Was he denied outright?

He should call and offer to submit pay stubs etc... also; they may need to verify identity especially if the address he put on the app doesn't match his credit report

Re: NFCU LOC (NavCheck)

Anonymous — Fri, 28 Sep 2012 21:10:20 GMT

Denied OUTRIGHT!

Ok told him to call...

Re: NFCU LOC (NavCheck)

jdirilo — Fri, 28 Sep 2012 21:34:00 GMT

I am fairly new to NFCU also, I got a checking/savings, and a $500 nrewards card. I was denied for the LOC also...

Re: NFCU LOC (NavCheck)

XxRaVeNxX — Fri, 28 Sep 2012 21:50:44 GMT

Is it true that you have to be a member for 90 days before you can apply for NavCheck? Anyone gotten around this?

Re: NFCU LOC (NavCheck)

webhopper — Fri, 28 Sep 2012 22:10:38 GMT

I was approved for truck refinance; cash rewards card in march.
Approved for navcheck in Sept.
will apply for new vehicle loan with my dear husband in a few weeks. Looking to buy a new Volvo and take overseas delivery

Re: NFCU LOC (NavCheck)

mfoxxx — Fri, 28 Sep 2012 21:56:38 GMT

I was approved within a month of opening my accounts.

Re: NFCU LOC (NavCheck)

bbrannan — Fri, 28 Sep 2012 21:58:32 GMT

I joined NFCU the first week of July and was approved for LOC about 30 days later. So I don't think you have to wait 90 days. The only 90 days wait that I know of is the $500 overdraft protection as well as the mobile deposit.

Re: NFCU LOC (NavCheck)

jonmartin — Fri, 28 Sep 2012 22:12:26 GMT

Navcheck LOC whats the point is it an overdraft protection sort of thing?

Re: NFCU LOC (NavCheck)

webhopper — Fri, 28 Sep 2012 22:21:48 GMT

You can get checks issued from it and use the checks for what you need. Basically it is a revolving LOC that can be used in place of a personal loan.

Re: NFCU LOC (NavCheck)

CS800 — Sat, 29 Sep 2012 00:22:50 GMT

I applied for everything when I joined. Just to get it over and done with. Although they get HP happy for each app unless its the same type of product.

Re: NFCU LOC (NavCheck)

XxRaVeNxX — Sat, 29 Sep 2012 01:03:28 GMT

@jonmartin wrote:
Navcheck LOC whats the point is it an overdraft protection sort of thing?

It's great for utilization...it reports as a credit card on your credit report...

Re: NFCU LOC (NavCheck)

Anonymous — Fri, 05 Oct 2012 04:21:30 GMT

The only thing I didn't know until yesterday is that the LOC has no grace period

Re: NFCU LOC (NavCheck)

Anonymous — Fri, 05 Oct 2012 04:24:50 GMT

@XxRaVeNxX wrote:
Is it true that you have to be a member for 90 days before you can apply for NavCheck? Anyone gotten around this?

No. My NAVChek was approved 2 days after I joined. I applied for it on the same day that I joined. Ditto my credit card and auto refi.