Got NFCU Everyday Checking!! LOC now??

Anonymous · ‎11-25-2014

So I got my Flagship card in April for $5K and CLI to $25K on Oct 15. I finally opened the Everyday checking this morning. Do I need to wait to app for the $15K LOC? Should I app for a 2nd card or wait a few months and ask for a CLI on my flagship again?

Creditaddict - will be waiting for the instructions You said the LOC was different then the Personal loan so I opened the checking .... do I need to use the checking a bit first or go for it? I have been a member since like 2005 I think - just stupidly wasn't taking advantage of the awesome credit!!

Thanks!

1GaDawg85 · ‎11-25-2014

APPLY NOW!!!!!

full 15k

FICO 5 ,4, 2 - 10/2023 FICO 8 - 10/2023 FICO 9 - 10/2023 FICO 10 - 10/2023

JustinS · ‎11-25-2014

@Anonymous wrote:
So I got my Flagship card in April for $5K and CLI to $25K on Oct 15. I finally opened the Everyday checking this morning. Do I need to wait to app for the $15K LOC? Should I app for a 2nd card or wait a few months and ask for a CLI on my flagship again?

Creditaddict - will be waiting for the instructions You said the LOC was different then the Personal loan so I opened the checking .... do I need to use the checking a bit first or go for it? I have been a member since like 2005 I think - just stupidly wasn't taking advantage of the awesome credit!!

Thanks!

CA will be along soon I'd wager to instruct the same go for the NavCheck LOC (they also refer to it as overdraft protection LOC) for the full 15k. I just did mine right after checking was setup and it approved near instantly for the full 15k limit.

Creditaddict · ‎11-25-2014

@JustinS wrote:
@Anonymous wrote:
So I got my Flagship card in April for $5K and CLI to $25K on Oct 15. I finally opened the Everyday checking this morning. Do I need to wait to app for the $15K LOC? Should I app for a 2nd card or wait a few months and ask for a CLI on my flagship again?

Creditaddict - will be waiting for the instructions You said the LOC was different then the Personal loan so I opened the checking .... do I need to use the checking a bit first or go for it? I have been a member since like 2005 I think - just stupidly wasn't taking advantage of the awesome credit!!

Thanks!
CA will be along soon I'd wager to instruct the same go for the NavCheck LOC (they also refer to it as overdraft protection LOC) for the full 15k. I just did mine right after checking was setup and it approved near instantly for the full 15k limit.

YES... Apply for $15k now

Anonymous · ‎11-25-2014

Sorry I am stupid ... on the site now - I don't see anything that says "Navcheck" .... Is it the checking line of credit? When I click that, it comes up "overdraft line of credit protection"? .... Is this correct?

Creditaddict · ‎11-25-2014

@Anonymous wrote:
Sorry I am stupid ... on the site now - I don't see anything that says "Navcheck" .... Is it the checking line of credit? When I click that, it comes up "overdraft line of credit protection"? .... Is this correct?

yes

it use to be called NavCheck and I think we all got so use to calling it that we still call it that!

Anonymous · ‎11-25-2014

Just double checking - Thanks!!

Anonymous · ‎11-25-2014

Does it usually generate an instant approval? .... It did not for me. It said most decisions are made on a request within an hour ...? Normal or is that a decline?

Creditaddict · ‎11-25-2014

@Anonymous wrote:
Does it usually generate an instant approval? .... It did not for me. It said most decisions are made on a request within an hour ...? Normal or is that a decline?

Normal!

gingerflower · ‎11-25-2014

Op I can already
guarantee you are approved.