NFCU - Pending App

[jsully87]

That is only from NFCU. Luckily right before all this happened, every INQ dropped from my TU and my EQ file was wiped clean. So I only have one other INQ on EQ from Amazon, and one on TU.

Just checked NFCU and still no change...still pending. So I guess I should call? Or wait til Monday?

[Anonymous]

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@jsully87 wrote:
That is only from NFCU. Luckily right before all this happened, every INQ dropped from my TU and my EQ file was wiped clean. So I only have one other INQ on EQ from Amazon, and one on TU.

Just checked NFCU and still no change...still pending. So I guess I should call? Or wait til Monday?

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Call

[jsully87]

OKay - so I chatted Saturday morning with NFCU about the still pending app.

She said it was because my TU was frozen.

I asked her how many more times do they need to check my credit? And if they could use the previous report they pulled -

She said no, because the other was for LOC...

So I unfroze, messaged them back -- and they messaged me again pretty quickly saying:

Thank you for providing the requested information. Your application is currently under review. The Credit Card Lending Team will notify you in writing of its decision within approximately seven to ten business days. If we can be of any further assistance, please let us know.

Do you think this is a denial? Or is 7-10 normal?

[Anonymous]

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@jsully87 wrote:

OKay - so I chatted Saturday morning with NFCU about the still pending app.

She said it was because my TU was frozen.

I asked her how many more times do they need to check my credit? And if they could use the previous report they pulled -

She said no, because the other was for LOC...

So I unfroze, messaged them back -- and they messaged me again pretty quickly saying:

Thank you for providing the requested information. Your application is currently under review. The Credit Card Lending Team will notify you in writing of its decision within approximately seven to ten business days. If we can be of any further assistance, please let us know.

Do you think this is a denial? Or is 7-10 normal?

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It's normal  Call again in couple days 

[jsully87]

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@Anonymous wrote:

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@jsully87 wrote:

OKay - so I chatted Saturday morning with NFCU about the still pending app.

She said it was because my TU was frozen.

I asked her how many more times do they need to check my credit? And if they could use the previous report they pulled -

She said no, because the other was for LOC...

So I unfroze, messaged them back -- and they messaged me again pretty quickly saying:

Thank you for providing the requested information. Your application is currently under review. The Credit Card Lending Team will notify you in writing of its decision within approximately seven to ten business days. If we can be of any further assistance, please let us know.

Do you think this is a denial? Or is 7-10 normal?

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It's normal  Call again in couple days 

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Thanks Irish.

I also just realized that I never applied for the LOC...I had applied for a personal loan...

I feel pretty stupid now -- that I may have ruined my "first time appying"  --- is there any chance I have for the LOC? Or should I just wait to see if I get the CC? I don't want any more INQ...

[Anonymous]

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@jsully87 wrote:

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@Anonymous wrote:

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@jsully87 wrote:

OKay - so I chatted Saturday morning with NFCU about the still pending app.

She said it was because my TU was frozen.

I asked her how many more times do they need to check my credit? And if they could use the previous report they pulled -

She said no, because the other was for LOC...

So I unfroze, messaged them back -- and they messaged me again pretty quickly saying:

Thank you for providing the requested information. Your application is currently under review. The Credit Card Lending Team will notify you in writing of its decision within approximately seven to ten business days. If we can be of any further assistance, please let us know.

Do you think this is a denial? Or is 7-10 normal?

---

It's normal  Call again in couple days 

---

Thanks Irish.

I also just realized that I never applied for the LOC...I had applied for a personal loan...

I feel pretty stupid now -- that I may have ruined my "first time appying"  --- is there any chance I have for the LOC? Or should I just wait to see if I get the CC? I don't want any more INQ...

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At this point wait to hear about the cc before trying for the LOC

[jsully87]

Will do. Hoping I get something, even if its a small CL.

[jsully87]

Got denied personal loan - not enought time at NFCU, collections (disputed), recent accounts....

Still waiting to hear about CC.

[Anonymous]

Wow in sorry you have to wait so long I have never heard of NFCU taking this long on a CC app. Is the reason because your reports were frozen? I know you said something like that but didn't know if that's why it was taking so long with CC have you applied for the LOC? Maybe they will give u a approval before Christmas but would be a good little Christmas present.

[jsully87]

I froze my TU and EX after they pulled twice on TU and EQ.

They asked me to unfreeze - I did monday morning. Called yesterday and said it would be 24-48 hours. She said to check back Christmas Eve.

Still pending as of this morning...

I haven't applied for the LOC cuz I really don't want another INQ...and I am reluctant....

I really hope I get something thru them that would be an AWESOME christmas present.

EQ stands at 617 as of EQ monitoring today.

Myfico says 693 (because my file still showing wiped clean)

Credit Karma TU says 640 -- denial letter from NFCU says 547.