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UPDATED Should I join NFCU or wait? Help! (WENT FOR IT AND OMG - IN SHOCK)

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Valued Contributor

Re: Should I join NFCU or wait? Help!

KABOOM!! Aewsome...congratulations!!

American Express Business Gold(NPSL 10k) Chase CSP (25k) Pier 1(23.5k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until Aug 2020

FICO 8 Scores EX 702 EQ 705 TU(1) 718
AAOA 4.6yrs TCL=300,700
Message 21 of 42
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Valued Contributor

Re: Should I join NFCU or wait? Help! (WENT FOR IT AND OMG - IN SHOCK)


@Creditobsessed12 wrote:

I went for the CLOC as well.  I got a message saying I should hear back in one hour.  Is this common or do people get approved instantly?

 

I tried for the full 15K.  If I get it that's 39K between the CC and CLOC at a lower rate than what I currently owe.  I owe around 33K across a few cards.


My CLOC wasn't instant...though it was only for 5k. Took about a day and then I was approved. Good Luck!!

American Express Business Gold(NPSL 10k) Chase CSP (25k) Pier 1(23.5k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until Aug 2020

FICO 8 Scores EX 702 EQ 705 TU(1) 718
AAOA 4.6yrs TCL=300,700
Message 22 of 42
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Regular Contributor

Re: Should I join NFCU or wait? Help! (WENT FOR IT AND OMG - IN SHOCK)

Congrats and my cloc wasn't. Instant either and I did 2 clis that also wasn't Instant but you will get it mine started at 500 then 5k now 10k
Message 23 of 42
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Community Leader
Mega Contributor

Re: Should I join NFCU or wait? Help! (WENT FOR IT AND OMG - IN SHOCK)

Congrats Op on getting a big cl from Navy. Theyll probably hook you up on the cloc as well. I love the fact the Navy gives many chances that some others would probably hesitate. Enjoy and get ready to build an awesome relationshipSmiley Happy
Message 24 of 42
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Valued Contributor

Re: Should I join NFCU or wait? Help!

Congrats on the nice limit and interest rate.

 

More cards than I can mention in a signature.
Message 25 of 42
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Frequent Contributor

Re: Should I join NFCU or wait? Help! (WENT FOR IT AND OMG - IN SHOCK)

Any word on the cloc?
Last app 1/2/2017.
In the garden until at least 6/2/2017.
Message 26 of 42
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Frequent Contributor

Re: Should I join NFCU or wait? Help! (WENT FOR IT AND OMG - IN SHOCK)

Thank you everyone! ☺️

Nothing on the CLOC yet 😑 The worse part is that I applied on a Friday and Monday is a holiday so does this mean I will not hear back till Tuesday??? 😩😩
11/30/14 EQ 545 TU 573 EX 602 01/15 EQ 545 TU 586 EX 589
02/15 EQ 643 TU 627 EX 669 03/05/2015 EQ 708 TU 744 EX 707
05/2017 EQ 659 TU 676 EX 683
Goal: 700s across the board Smiley Happy
Message 27 of 42
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Frequent Contributor

Re: Should I join NFCU or wait? Help! (WENT FOR IT AND OMG - IN SHOCK)

My local branch is open 9-1 tomorrow. There is hope.
Last app 1/2/2017.
In the garden until at least 6/2/2017.
Message 28 of 42
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Regular Contributor

Re: Should I join NFCU or wait? Help! (WENT FOR IT AND OMG - IN SHOCK)

Awesome!

Message 29 of 42
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Regular Contributor

Re: Should I join NFCU or wait? Help! (WENT FOR IT AND OMG - IN SHOCK)


@Creditobsessed12 wrote:
Thank you everyone! ☺️

Nothing on the CLOC yet 😑 The worse part is that I applied on a Friday and Monday is a holiday so does this mean I will not hear back till Tuesday??? 😩😩

you'll likely get a text message stating that you have been approved, or to check your inbox on your account.  I remember getting my text at 2am, went downstairs to check computer and fell out of my chair when I got approved for full $15k.  

 

Since it's late at night right now, you'll likely know in the morning, or they may request you send them proof of income.  either way, log in to your account and check your messages and/or status of request.  Or, you could send them proof of income etc, and just be proactive..

Message 30 of 42
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