navy federal nav check questions

[mossmanb5]

ok first off i opened a nfcu savings and echecking account a few days ago. that night i applied for the nrewards visa but got the review in process message, hours later they sent me a email asking for proof of income pay stubs, i faxed them then the next day they sent me another message saying i was approved for 6,000 dollars. its been 2 days and after reading alot of boards on here i applied for the nav check 15000 dollar limit. was it too soon to do that and based on my 47000 a year income would they approve or disapprove me. also my direct deposit dosent take affect until my next pay period and theres only abot 65.00 in accts besides the cc. can anyone also answer how the nav check works and say if i never use it would they close it or decrease my limit it would be sweet if i got approved it would make my uti drop prolly to 5 percent between all my accounts. before nfcu my last aproval was discover it and it was for 1600 and i was so proud for finally getting in with them always denied my whole life lol. sorry for the long post and all the questions any and all answers  would be greatly appreciated. they prolly would wanna see another fax of pay stubs again if the cc and nav check depts are diff or hopefully they can see that i was just approved 2 days ago. thanks fellow myfico members.

cap one platinum 1250 / cap one secured 600 / barclayd rewards 1500 / discover it 1600 / navy fed nrewards 6000
walmart sc 600 / old navy sc 200 / toys r us sc 200 / matrix 300 / emblem secured 200 / open sky secured 300 / fhut 1800

18 inquries in last 6 months

all score hovering aroung 626

[mossmanb5]

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@mossmanb5 wrote:

ok first off i opened a nfcu savings and echecking account a few days ago. that night i applied for the nrewards visa but got the review in process message, hours later they sent me a email asking for proof of income pay stubs, i faxed them then the next day they sent me another message saying i was approved for 6,000 dollars. its been 2 days and after reading alot of boards on here i applied for the nav check 15000 dollar limit. was it too soon to do that and based on my 47000 a year income would they approve or disapprove me. also my direct deposit dosent take affect until my next pay period and theres only abot 65.00 in accts besides the cc. can anyone also answer how the nav check works and say if i never use it would they close it or decrease my limit it would be sweet if i got approved it would make my uti drop prolly to 5 percent between all my accounts. before nfcu my last aproval was discover it and it was for 1600 and i was so proud for finally getting in with them always denied my whole life lol. sorry for the long post and all the questions any and all answers  would be greatly appreciated. they prolly would wanna see another fax of pay stubs again if the cc and nav check depts are diff or hopefully they can see that i was just approved 2 days ago. thanks fellow myfico members.

cap one platinum 1250 / cap one secured 600 / barclayd rewards 1500 / discover it 1600 / navy fed nrewards 6000
walmart sc 600 / old navy sc 200 / toys r us sc 200 / matrix 300 / emblem secured 200 / open sky secured 300 / fhut 1800

18 inquries in last 6 months

all score hovering aroung 626

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also forgot to mention that when i got the other accts it was during the week now its sat night didnt know if they approved anything maunally on the weekend or if im biting my nails until mon or tuesday i keep refreshing the pending application link but it still says review in process.

[kindbrute4]

What I can tell you is about my own experience, on 4/1 I opened my checking and savings with 20 dlls, 5 in my savings and 15 in my checking, same day I applied for my cc and navcheck loc for full 15000, on 4/8 I got approved for loc for full 15000, I did have to send both departments copies of my ss card, ID, check stubs and bank statement, on 4/10 I got approved for 1500 on my cc and imediately sent a secure message and asked for cli arguing that this was my lowest cl of all my credit cards, they responded with a credit line increase to 5000 on my credit card, this said, even if they take a few days to answer it's worth the wait, I know its most nerve wrecking not knowing but its part of the process, keep us posted as to the outcome! good luck!!!!

[mossmanb5]

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@kindbrute4 wrote:

What I can tell you is about my own experience, on 4/1 I opened my checking and savings with 20 dlls, 5 in my savings and 15 in my checking, same day I applied for my cc and navcheck loc for full 15000, on 4/7 I got approved for loc for full 15000, I did have to send both departments copies of my ss card, ID, check stubs and bank statement, on 4/8 I got approved for 1500 on my cc and imediately sent a secure message and asked for cli arguing that this was my lowest cl of all my credit cards, they responded with a credit line increase to 5000 on my credit card, this said, even if they take a few days to answer it's worth the wait, I know its most nerve wrecking not knowing but its part of the process, keep us posted as to the outcome! good luck!!!!

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was yours during the week or on the weekend and thanks for replying

[kindbrute4]

I did everything online, on a tuesday morning, so I had to wait all that week and a weekend before I could get an approval

[mossmanb5]

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@kindbrute4 wrote:

I did everything online, on a tuesday morning, so I had to wait all that week and a weekend before I could get an approval

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ok thank u im just gonna wait and see dont want them to sway away by bugging them

[kindbrute4]

don't worry and good luck!

[mossmanb5]

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@kindbrute4 wrote:

don't worry and good luck!

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thanks and im praying lol

[coldnmn]

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@mossmanb5 wrote:

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@kindbrute4 wrote:

I did everything online, on a tuesday morning, so I had to wait all that week and a weekend before I could get an approval

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ok thank u im just gonna wait and see dont want them to sway away by bugging them

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Good Luck!

[mossmanb5]

thanks the status is still the same for now review in process