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

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Frequent Contributor

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

Should I call regarding the CLOC status? I still have not heard back and online says still in review.
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 31 of 42
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Frequent Contributor

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

Cant hurt to try
Last app 1/2/2017.
In the garden until at least 6/2/2017.
Message 32 of 42
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Frequent Contributor

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

They said I was declined! Wow but approved for the CC? I'm lost 😭
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 33 of 42
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Moderator

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


@Creditobsessed12 wrote:
They said I was declined! Wow but approved for the CC? I'm lost 😭

PLOC/CLOC's are usually tougher to get than CC's although surpised Navy declined your CLOC with your scores which is kinda suprising.  Grats on your CC approval though

Message 34 of 42
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Frequent Contributor

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


@CreditCuriousity wrote:

@Creditobsessed12 wrote:
They said I was declined! Wow but approved for the CC? I'm lost 😭

PLOC/CLOC's are usually tougher to get than CC's although surpised Navy declined your CLOC with your scores which is kinda suprising.  Grats on your CC approval though


Thank you!  I am grateful because I wasn't expected such a high SL.

 

The status of the CLOC still show as under review.  Maybe there's hope?  LOL

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 35 of 42
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Established Contributor

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

Congrats on the HUGE cc SL..........NFCU is one awesome place to be...they have a great reputation. Give 'em a few mos and the CLOC will be yours too.

Message 36 of 42
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New Contributor

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

Congrats on the huge SL!!! NavyFed is awesome


Rebuilding...
Dec '16- EX: 574 TU: 573 EQ: 562
June 10, '17- EX: 665 TU: 689 EQ: 667
Gardening from June '17 to May '18
NFCU CLOC $15k || NFCU nRewards $2k || Chase FU $2k || AMEX BCE $1k || CapOne QS1 $750
Message 37 of 42
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Frequent Contributor

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

It looks like they pulled EQ for the CLOC and that's my lowest score. They pulled TU for the CC. It's so annoying because my files are literally identical. I don't understand why EQ is so much lower. I hope they don't take back the CC SL. 😞
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 38 of 42
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Frequent Contributor

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

They won't. Just wait a month and try again or go for another card.
Last app 1/2/2017.
In the garden until at least 6/2/2017.
Message 39 of 42
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Frequent Contributor

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

Update!!! I called twice about the CLOC and no luck. Then I decided to do what someone else here said that they did in the past. I reapplied with a rep (they used the same pull since it was within 30 days) with a lower limit of 5k and I was approved! I just got the confirmation text! My original request was for 15k. It's crazy to me how they wouldn't just give me the counter. It doesn't make any sense!
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 40 of 42
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