topic Re: nfcu question in Credit Cards

nfcu question

Anonymous — Wed, 18 Jun 2008 15:28:05 GMT

hi everyone--

i sent my application for nfcu a few weeks ago, i got a call monday afternoon stating that they need a copy of my most recent paystub..

1. why do they not ask this for everyone?

2. from prev experience, is this usually a good thing or not? approval or not??

3. after info is faxed how long does it normally take before you know something?

thanks everyone!!

Message Edited by bamagirl1 on 06-18-2008 08:28 AM

Re: nfcu question

Anonymous — Wed, 18 Jun 2008 15:32:58 GMT

Hey bamagirl,

NFCU asked for proof of income from me before I got

approved for the nRewards Visa and Mastercard for

2k each. So yes, 99.999% of the time this is a good thing

cuz they need the info to determine a credit limit.

And not everyone needs to send in proof of income because

everyone's credit situation is different. Some folks get approved

instantly while others go thru a manual review. And sometimes they

can verify income without asking for a paystub, which is great news

for the applicant.

So in summary, if they're asking you for a paystub you should be in

very good shape. You should hear something within 24 hours.

Please keep us posted and good luck to you!

CanDo

"The right attitude is everything"

Re: nfcu question

Anonymous — Wed, 18 Jun 2008 15:54:39 GMT

Agreed with CanDo. The fact that they are asking for paystubs is definitely a positive sign and is likely needed to help determine the initial CL.

When I apped for NFCU the first time, they asked for paystubs as well. This seems to be a fairly common practice with CUs and when you think about it, it's much better than the alternative. I appreciate creditors who ask upfront rather than those who surprise you later on with requests for financials, but that's another topic for a different thread...

Call me a crazy optimist, but I think it means you're IN. NFCU is AWESOME!!!

Re: nfcu question

Anonymous — Wed, 18 Jun 2008 17:01:37 GMT

NFCU asked me to fax a copy of my recent pay stub and, since I have a FA, a copy of a recent utility bill and a copy of my drivers license.

If they are asking for all that stuff, you're approved.

Re: nfcu question

Anonymous — Wed, 18 Jun 2008 17:22:28 GMT

cobra 19-

what is an FA?

Re: nfcu question

Anonymous — Wed, 18 Jun 2008 17:22:46 GMT

bamagirl1 wrote:

cobra 19-

what is an FA?

FA = fraud alert

Re: nfcu question

Anonymous — Wed, 18 Jun 2008 17:30:01 GMT

oh hahah thanks cheddar :0)

Re: nfcu question

Anonymous — Wed, 18 Jun 2008 17:33:38 GMT

@Anonymous wrote:
NFCU asked me to fax a copy of my recent pay stub and, since I have a FA, a copy of a recent utility bill and a copy of my drivers license.
If they are asking for all that stuff, you're approved.

Same situation with me with the FA. I faxed a paystub and utility bill and was approved for $15,000 MC and $10,000 LOC.

Re: nfcu question

Anonymous — Wed, 18 Jun 2008 17:36:13 GMT

wow fretless that's awesome I can only hope and wish!

Re: nfcu question

Anonymous — Thu, 19 Jun 2008 01:10:58 GMT

They have been known to ask for docs with lower FICO scores. Remember, Navy will be good to you as long as you are good to them.

Re: nfcu question

Anonymous — Thu, 19 Jun 2008 15:01:23 GMT

when i am approved (thinking positive) how will i be notified?

Re: nfcu question

Anonymous — Thu, 19 Jun 2008 15:05:20 GMT

How did you app?

Re: nfcu question

Anonymous — Thu, 19 Jun 2008 15:08:37 GMT

i mailed in my application when i got my nfcu info, bc it took them forever to get me my online access info, so wouldn't let me apply there..

Re: nfcu question

Anonymous — Thu, 19 Jun 2008 15:14:01 GMT

My guess would be probably by mail then. If you can't stand it, just give them a call

Re: nfcu question

Anonymous — Thu, 19 Jun 2008 15:15:18 GMT

bamagirl,

You don't have to wait for an approval in writing (thinking positive).

Just give them a call at 888 842 6328 and ask for Credit Card Services.

They'll tell you right over the phone and give you your credit limit as well.

In my case, I got an approval letter about 3-5 days after I called to find out.

Good luck to you!

Re: nfcu question

Anonymous — Thu, 19 Jun 2008 15:20:32 GMT

thanks can do