Applied for NFCU CC.... Now I have to wait

[Anonymous]

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@iamrayl wrote:

I joined nfcu a few weeks ago and I echo the sentiments of most nfcu members...they are great!  I applied for navcheck today and the status changed to conditionally approved.  They are asking for my last 2 paystubs and a bank statement from another bank which I faxed over to them so I guess I'll just have to wait and see.  I was also approved for a CC with a 17.5k credit line when I opened my accounts with them.  That was a pleasant surprise!  

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How is everyone getting approved so quickly while I've been waiting for days?  I'm not too pleased with NFCU so far-especially since I opened a $4000 CD with them. 

[iamrayl]

DonGonzalo,

What does your application status show?

[Anonymous]

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@iamrayl wrote:

DonGonzalo,

What does your application status show?

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It shows Review In Process.

[iamrayl]

Ok mine said that at first.  You should give them a call.  They are always helpful.

[Anonymous]

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@iamrayl wrote:

Ok mine said that at first.  You should give them a call.  They are always helpful.

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I've called them 3 times already. 

[Anonymous]

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@Anonymous wrote:

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@iamrayl wrote:

Ok mine said that at first.  You should give them a call.  They are always helpful.

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I've called them 3 times already. 

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The first time I applied for a CC with them they took forever and then ended up denying me. Gave me all kinds of excuses and a runaround, told me that there was one specific person who was handling my application and she needed copies of my DL, SS card, etc. But she was never available when I called.

After that, it's all been good. But my initial experiences with them weren't that great eiither.

[swpopham]

Good evening everyone,

I want to add that NFCU is the best financial institution my wife and I have ever delt with. At first when we opened our account 18 months ago they gave me a 12k CL for a cash rewards green card. After trying to get multiple loans they said no.... then one day I called in asking for a new 2011 f-250 king ranch, they said yes, 11% then 3 months later my wife and I applied together for a 2012 f-350 for 71k and she said I will call you right back, 15 min later at 11:45pm I get a text saying approved, your check is ready for pick up. I cant say any bad about this FCU. They have taken care of my wife and I. keep in mind all my scores are 600-615. I have had to pay a higher interest then everyone else but it was me in the end that messed up my credit. I would starve or eat rommen before I messed any thing up with them. GL

[Anonymous]

swpopham, at first I was wondering why the were willing to extend 12k unsecured but no car loan....then after I kept reading it was for a 40k+ car loan (I guess you were still looking for the same one 18 months prior).  Glad to hear that they extended the loan to you, I was fortunate to have 2 seperate 20k (one co-signed) cars when I was in the high 500's.  Also your income probably is playing a BIG part with NFCU and the 18months of credit use through them looks good!!! Keep it up.

[Anonymous]

Don, what did they tell you on the phone?  Sometimes it is just sending items requested in.  They extended me a line of 2k when I was making around 40k and fico scores in the mid 500's.  I had been banking with them for around 4 years before applying though, are you a new customer?  Need some extra info, thanks.

[Anonymous]

Not to derail, but how long does it take to get membership approval? My wife and I just applied yesterday, and after submission, we got a "pending review" message.