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NFCU Navcheck huge Increase !

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dodgeball
Established Contributor

NFCU Navcheck huge Increase !

Just got my Navcheck increased from 5k to 15k. This makes my total credit limits at NFCU to 55k. I just love this Credit Union the best decision I have ever Financially made.

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Message 1 of 24
23 REPLIES 23
starry1
Valued Contributor

Re: NFCU Navcheck huge Increase !

Weren't you supposed to leave the button alone?

 

Congrats!


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 2 of 24
dodgeball
Established Contributor

Re: NFCU Navcheck huge Increase !

I left the Increase my credit limit button alone ! I just pressed another one that is all! LOL

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Message 3 of 24
meesh6036
Contributor

Re: NFCU Navcheck huge Increase !

Nice!! I think I need to add it to our account. I need to stop being a chicken.

Starting Score: Low 500's (2011)
Current Score:My Fico - 661
NFCU cashRewards 17.5k | NFCU GoRewards 14k |Fred Meyer Rewards Visa (USBank) 1k | Best Buy 2.8k | Walmart 1450 | Target 300 | Amazon 2.1k | CareCredit 2.6k | Macy's 1.5k | Macy's Furniture 3.5k | Lowe's 3k | Discover It 1.8k
Message 4 of 24
Epcot
Valued Contributor

Re: NFCU Navcheck huge Increase !

Nice increase, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 5 of 24
dodgeball
Established Contributor

Re: NFCU Navcheck huge Increase !

No need to be chicken NFCU is very Generous !

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Message 6 of 24
dddfresh
Frequent Contributor

Re: NFCU Navcheck huge Increase !

How long did you have it? Do you have a lot of money in your nfcu accounts? Have you used it? How long did it take to report to tje bureaus?

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 7 of 24
dodgeball
Established Contributor

Re: NFCU Navcheck huge Increase !

I have a couple of thousand in my accounts. I have had it for about 8 months now and have used it a couple of times. It always reports at the first of the month.

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Message 8 of 24
Boonie
Frequent Contributor

Re: NFCU Navcheck huge Increase !

I am with NFCU, and wonder why you need a $15k overdraft line of credit?   Do you even use it?  If you do, won't that look negatively on your account for overdrawing your account?   Am I missing something about this line of credit? 

04/10/17 - FICO 8s - EX 769, EQ 710, TU 724
Message 9 of 24
dddfresh
Frequent Contributor

Re: NFCU Navcheck huge Increase !

I think people want it because it reports to the CB's as a revolving line of credit which helps your utilization %. I guess it could also be good in case of some sort of emergency. I know that NFCU offered me a personal loan at 18% and the Overdraft LOC has a lower interest rate so that could be an option if you need the money and dont want to apply for a loan. I think others just do it to see how much credit NFCU will throw at you. I am a mix of all those listed


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 10 of 24
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