NFCU Question - Should friend app for LOC too?

[Anonymous]

She was approved this morning for the cash rewards card with a SL of $2,900  ..... which for them seems a little low.  I think her file would be considered "thin".  Would you recommend she app now for the LOC or wait?  

Thanks

[fltireguy]

I would app for the LOC, ask for the full $15K

[Anonymous]

1) If one is going to app you ALWAYS app for the full 15k and wait for the counter...that goes w/o asking.

2) Rember that the LOC is handled by the loan dept. not the CC dept. and they pull a different report vs the

'bankcard' report pulled by the CC dept.

The only neg is it's a new pull but at least they age off together.....

When I started I waited b/c I wanted to use the same pull for my car loan, which I did and got my car loan preapprove and saw the LOC as a 2 for 1

just mentioned that b/c  if she plans on a refi or other loan product, she can wait till then or if she apps now go ahead and loan up for 2 products as the Hp is good for 30 days.....again depends on overall objective as to pull trigger now or not...

[Vegas4Play]

Why not go for it now.

[Anonymous]

@grayarea37@ please update... LOC; too app or not to app

[Anonymous]

She applied last Saturday and it is still showing pending review ....?  Is this good, bad, or indifferent?  I would have thought a no would be quick and easy but 7 days in review, are they just overwhelmed?  Her CC was instant approval. I know they are different departments and what not, any insight out there?

[gingerflower]

Have your friend check the app status. Why not call and ask the status!! Its been 7 days

[Anonymous]

Strange, NFCU pulled her TU report for all 3 inquiries - Membership, CC, and LOC.  Still no word on approval status.  

[steelers1]

Same thing happened to me.

I called to check the status and it was denied.