nfcu loc application question

[Anonymous]

I am moving this to Approvals since you got your good news-MarineVietVet, myFICO moderator.

I applied last week and was approved for the nrewards visa,  a small 500 cl. It's OK as I hear navy is great with cli.  My question is people are telling me to apply for the loc.  Will that require another hard pull? 

[1GaDawg85]

Yes it will but well worth it 

[pizza1]

It will be another HP, they are HP happy,but worth it! When you go to apply ask for the full amount of $15k, and no less!!! They counter back with what they can give you. If you are declined for some reason, wait 6 months and reapply. They may want to see how do handle your CC first.

[Anonymous]

Thanks for the info! 

[Anonymous]

Update***** I applied for it this afternoon, asked for 15,000 got a text saying pending approval.  I called and the rep said they could only do 3000.00.  Which I gladly accepted.! he said he would send it back to the loan dept. Advising I had accepted.   He said they would finalize it probably tonight. He never asked for pay stubs,bank statements, etc.  Is this normal?   Am I really approved? He said they would send out a paper for me to sign. 

[Anonymous]

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@Anonymous wrote:

Update***** I applied for it this afternoon, asked for 15,000 got a text saying pending approval.  I called and the rep said they could only do 3000.00.  Which I gladly accepted.! he said he would send it back to the loan dept. Advising I had accepted.   He said they would finalize it probably tonight. He never asked for pay stubs,bank statements, etc.  Is this normal?   Am I really approved? He said they would send out a paper for me to sign. 

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Yes, that's normal.  Congrats!

[Anonymous]

Thank you! 

[uswala]

Congrats!

[coldnmn]

Congrats! Thanks for sharing.

[Anonymous]

Congratulations!