NFCU AR

[Aduke1122]

I have tried 3 diff times after ARs and so has my fiancé

[bigpoppa09]

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@Aduke1122 wrote:
I have tried 3 diff times after ARs and so has my fiancé

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I haven't had any luck lately with them myself been with them almost 2 years i have had one instant cli  I just tried yesterday i didn't get instant so i called and canceled the request didn't want the HP.

[Anonymous]

Seeing as I already took the HP should I call and see if it's a denial? I haven't heard anything back yet,
If it is in fact a denial should I app for the second card?

[Anonymous]

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@Anonymous wrote:
Seeing as I already took the HP should I call and see if it's a denial? I haven't heard anything back yet,
If it is in fact a denial should I app for the second card?

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I'd call to find out where things stand.  As far as applying for another card keep in mind that they are going to pull your credit again even though they just did a day or two ago. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
Seeing as I already took the HP should I call and see if it's a denial? I haven't heard anything back yet,
If it is in fact a denial should I app for the second card?

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I'd call to find out where things stand.  As far as applying for another card keep in mind that they are going to pull your credit again even though they just did a day or two ago. 

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I ended up calling and they want my last 2 paycheck stubs for income verification, So thats not a big deal. So i did print that out and send it. She told me to call back tomorrow. 

I however hope I didn't mess up i just rounded my income and put my monthly income when asked at 10,833 a month. it's actually 14,129 when i calculate it out. Maybe they will recalculate it for me. I normally always just used 10,833 but i forgot i just got a raise LOL

[bigpoppa09]

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@Anonymous wrote:
Seeing as I already took the HP should I call and see if it's a denial? I haven't heard anything back yet,
If it is in fact a denial should I app for the second card?

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Unless u have high income i would rather have my max exsposure with Navy on 1 card instead of split between 2.

[Anonymous]

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@bigpoppa09 wrote:

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@Anonymous wrote:
Seeing as I already took the HP should I call and see if it's a denial? I haven't heard anything back yet,
If it is in fact a denial should I app for the second card?

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Unless u have high income i would rather have my max exsposure with Navy on 1 card instead of split between 2.

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150k a year alone with my DW we are about 220k a year. but whats considered high income anymore 😂

[Aduke1122]

Sorry to hear that Bigpoppa , Could you
Give me some data pts about your scores and what your CL is with Navy and what was your increase that you did get ? Also why do you feel like you don't have any good luck with them ? Is income an issue ?

[Aduke1122]

I have just been trying to figure out what they have against me and the only thing that I can come up with is income , I'm a Stay at home mom so I use my Fiancés income as allowed by the CardAct , we share several bank accounts. Also he fact that I am new to revolving credit lines with my oldest cc only being 1 year 4 mths old

[bigpoppa09]

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@Aduke1122 wrote:
Sorry to hear that Bigpoppa , Could you
Give me some data pts about your scores and what your CL is with Navy and what was your increase that you did get ? Also why do you feel like you don't have any good luck with them ? Is income an issue ?

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Sure My Fico 08 scores are 750+ on all 3  Navy uses Fico04/5 plus there internal score my Fico 04 score is 700 Income isn't a issue my Credit limit is 15K