yet another nfcu question

[virgo]

When asking for NAVCHECK, why do some get asked to turn in doc's?

[Creditaddict]

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@virgo wrote:
When asking for NAVCHECK, why do some get asked to turn in doc's?

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Many do for this product... just depends if they have given docs for something else in the near past or if you have direct deposit.

it's only here recently that I have actually been seeing apps get instantly approved without ever asking for docs when it's the 2nd app someone has done after joining but now in the last 2 weeks it kind of looks like it's shifting back to most getting asked for last 2 paystubs.

[virgo]

They HP'd me twice for the membership and cc. The NAVCHECK would have been number 3 hp.  I realize its a large sum but some dont get approved so it wasnt worth the hp.

I went for a second cc app instead which uses the first cc hp.  I was pre selected and approved for the first cc.

Thanks for your response.

[Creditaddict]

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@virgo wrote:

They HP'd me twice for the membership and cc. The NAVCHECK would have been number 3 hp.  I realize its a large sum but some dont get approved so it wasnt worth the hp.

I went for a second cc app instead which uses the first cc hp.  I was pre selected and approved for the first cc.

Thanks for your response.

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you got the 2nd card?

what's the limits you got on both?

you can usually gauge navcheck approvals off the credit line given on first credit card.

[virgo]

I got 8500.00 on first card, pre selected. Got in review message for second app.

[Creditaddict]

I'm interested in this outcome because they have not been very high on the 2nd credit card approval lately... Might have to ask to use some of the other card CL to get it done.
I think you would have or still would have more success getting navcheck

[virgo]

I was going to give it til tomorrow. The apps already in so might as well.  I just dont want another hp. Im trying for Discover and they hate inquiries.

The first cc is already listed in my account summary and i dont even have it yet. When can I expect to see it on my CR's?

[Creditaddict]

Month+
Apply discover then go back for navcheck... Navy doesn't care about inq

[virgo]

Appreciate the advice. Still in shock they gave me that limit so if they say no to the second cc, it's okay by me. Thanks again

[Scupra]

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@virgo wrote:

They HP'd me twice for the membership and cc. The NAVCHECK would have been number 3 hp.  I realize its a large sum but some dont get approved so it wasnt worth the hp.

I went for a second cc app instead which uses the first cc hp.  I was pre selected and approved for the first cc.

Thanks for your response.

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Can you keep an eye on your reports to confirm this? This is pretty unheard of for NFCU