topic Re: NFCU Navcheck ?? in Credit Cards

NFCU Navcheck ??

jaicam5 — Tue, 18 Jun 2013 21:26:02 GMT

Hello all,

Can someone tell me in a worse case scenario what is the minimum EQ needed for approval?

I have have been a member and have had their cc since Dec 2012. Hopefully I'll get a cli after this statement. Unsure if I should ask for the cli. Pay acct in full monthly.

Thanks in advance.

Re: NFCU Navcheck ??

kampfer09 — Tue, 18 Jun 2013 23:55:39 GMT

I don't think you'll have a problem. There been giving CLI easily. I got approved for $5k and ask for $15k max I got one hour message ill see tomorrow when I login to see if I got approved for it. The worst thing they could say is no. I say go for it and see what happen.

Re: NFCU Navcheck ??

scarzy — Wed, 19 Jun 2013 00:26:30 GMT

@jaicam5 wrote:
Hello all,

Can someone tell me in a worse case scenario what is the minimum EQ needed for approval?

I have have been a member and have had their cc since Dec 2012. Hopefully I'll get a cli after this statement. Unsure if I should ask for the cli. Pay acct in full monthly.

Thanks in advance.

If you don't have any current baddies, then go for it. I got approved (Navchek) with a FICO score of 612!

Also, I would ask for a cli on your cc. It has been six months, and you're due for one.

Re: NFCU Navcheck ??

jaicam5 — Wed, 19 Jun 2013 01:38:16 GMT

I had a CH 7 discharge June 2012 but have since rebuilt no lates. I received an auto CLI with both Cap One cc one from 1000 to 2500 and the other 500 to 1500 at 6 months. I'll have Barclay at 6 months in August. I'm just curious with NFCU process. I'll hate to get a hard inquiry though. I think I'll chance the Nav check.

Re: NFCU Navcheck ??

lissa1184 — Wed, 19 Jun 2013 01:42:44 GMT

Go for it their minimum score is 540.

Re: NFCU Navcheck ??

kampfer09 — Wed, 19 Jun 2013 01:43:13 GMT

I had a collection on my account and PIF but still showing of my report they still have me a CC $15k limit plus $5k limit for there NAVCHECK. As I said if you don't try you won't know.

Re: NFCU Navcheck ??

scarzy — Wed, 19 Jun 2013 02:21:07 GMT

@jaicam5 wrote:
I had a CH 7 discharge June 2012 but have since rebuilt no lates. I received an auto CLI with both Cap One cc one from 1000 to 2500 and the other 500 to 1500 at 6 months. I'll have Barclay at 6 months in August. I'm just curious with NFCU process. I'll hate to get a hard inquiry though. I think I'll chance the Nav check.

It will be a hard pull for either, so be prepared.

Re: NFCU Navcheck ??

jaicam5 — Fri, 21 Jun 2013 12:57:46 GMT

I pulled the trigger last night. I couldn't do the Navcheck because I'm not primary on the account. Have to open own checking. I'll think about it since we just went into branch yesterday to open business account. I did ask for CLI received the 24-48 hour message. A rep called this morning to verify address and DOB and such. She said it is still processing. So I will wait and see.

Re: NFCU Navcheck ??

kampfer09 — Fri, 21 Jun 2013 13:45:06 GMT

mine still in review process.....I ask for full $15k instead of $5k approval I was hoping they will counter offer me at least for $10k. I guess I just have to wait and see what happen.

Re: NFCU Navcheck ??

jaicam5 — Fri, 21 Jun 2013 16:33:29 GMT

Well they started me out with $500 cc limit so I only asked for $3000 for starters. I didn't want to push it.

Re: NFCU Navcheck ??

Creditcurious74 — Fri, 21 Jun 2013 16:58:54 GMT

I've been thinking doing this myself but I don't see myself using it and burning a inquiry, decision, decision

OP you have a shot so go for it...

Re: NFCU Navcheck ??

kampfer09 — Fri, 21 Jun 2013 17:05:40 GMT

Well for me I'm done applying after they approve my request if ever. I'll be staying in the garden for a while. I'm still crossing my finger and see what happen from here on.

Re: NFCU Navcheck ??

jaicam5 — Sat, 22 Jun 2013 16:37:04 GMT

Well logged onto account last night and they approved me for the requested $3000 CLI. I received an alert today that it was a hard pull but its OK. That was less than a 24 hr decision.

Re: NFCU Navcheck ??

Scupra — Sat, 22 Jun 2013 18:45:09 GMT

@jaicam5 wrote:
Well logged onto account last night and they approved me for the requested $3000 CLI. I received an alert today that it was a hard pull but its OK. That was less than a 24 hr decision.

Congrats! Wait for 90 days to pass and then request $25k CLI. From the boards experience your next request should be SP up to your max. ymmv as always though.

Re: NFCU Navcheck ??

Scupra — Sat, 22 Jun 2013 18:48:03 GMT

@scarzy wrote:
@jaicam5 wrote:
I had a CH 7 discharge June 2012 but have since rebuilt no lates. I received an auto CLI with both Cap One cc one from 1000 to 2500 and the other 500 to 1500 at 6 months. I'll have Barclay at 6 months in August. I'm just curious with NFCU process. I'll hate to get a hard inquiry though. I think I'll chance the Nav check.

It will be a hard pull for either, so be prepared.

We were discharged almost the same month and its neat to see what you have done. Cograts

Re: NFCU Navcheck ??

Creditcurious74 — Wed, 26 Jun 2013 19:08:13 GMT

Well decided to apply for the Navcheck and I asked for $10k and got the " One hour process" and I got a text alert 10 minutes later that was approved, I should have ask for 15k . I'm very happy with NavyFCU.

Re: NFCU Navcheck ??

kampfer09 — Wed, 26 Jun 2013 19:59:48 GMT

Mine got denied when I ask for the full $15k. I guess I'll just wait 6 months from now and try again. Hopefully they will give it to me.

Re: NFCU Navcheck ??

jaicam5 — Wed, 26 Jun 2013 20:01:47 GMT

Congrats....I did go ahead and open a seperate checking account. Maybe in a week or two I will apply for the Navcheck....I am hopeful but scared at the same time. At least you did get approved for the 10K.

Re: NFCU Navcheck ??

Creditcurious74 — Wed, 26 Jun 2013 20:18:12 GMT

Thanks guys...I wanted to hit for 15k to match my other credit card I have with them but I think I was pushing it, I could have ask for 15k but I'm okay with 10k for now.

Re: NFCU Navcheck ??

Creditcurious74 — Fri, 28 Jun 2013 13:41:12 GMT

Question guys, I though the Navcheck would be instant on the account but they will mail me documents for me to sign, also they're calling this product checking line of credit instead of overdraft protection.