Too much credit with NFCU?

rootpooty · ‎12-13-2012

Im going through a dilema and need my NFCU to chime in and give suggestions.

14 mos ago I started with a 500 secured nrewards card that just PC'ed to a 3k cash rewards last month.

5/12 I opened up a Visa Plat. card 1K limit and had it raised to 5K last month.

Ive been a member for about a year and a half.

I really would like to app for a LOC (NAVCHECK) and more then likely do an auto loan through them but I wouldnt need more than 15K

My income is 50k and according to my last phone call with UW my DTI is pretty good cause I have no installment loans just CC payments, rent, utilities and everyday cost of living.

Do any of you have CC, auto loan, navcheck the works with them?

I do have DD with them but I only have 50 bucks DD every 2 weeks. I do it for like a small savings.

My EQ fico prob dropped to I would say 650-660 due to the new accounts and 2 inquiries from last month with a 200.00 baddie due to fall off in May but NFCU didnt even question me about it when I was talking to UW last month.

j_casteel · ‎12-13-2012

I think there was a member post up the other day about having a plethora of different types of credit/loans with them.

I don't see any issues with it, and I think they would welcome the business from you.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

jsickz32 · ‎12-13-2012

my income is close to yours and last time i talk to CSR when opening my Flaghship i was told that at this moment i had reach my limit with them. now i dont know if she meant as in CL on my cards, i just said oh ok lol. i also want to apply for NavCheck but im afraid.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

rootpooty · ‎12-13-2012

@jsickz32 wrote:
my income is close to yours and last time i talk to CSR when opening my Flaghship i was told that at this moment i had reach my limit with them. now i dont know if she meant as in CL on my cards, i just said oh ok lol. i also want to apply for NavCheck but im afraid.

Ill app for the navcheck if you do lol you first! Maybe thats on your CC accounts. I would think that auto loan is different cause there is collateral. You default and they take it where as a CC can be more difficult.

What are your limits on your CC's with them if you dont mind me asking?

If your current CC limits are near your income I can see that making them shaky lol

jsickz32 · ‎12-13-2012

The limit in my cashrewards is 10k and 5k flagship. And no ill let you go first

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

Duncanrr · ‎12-13-2012

Part of me wants to app for another product of theirs to see what CL they might give me. I would choke if they matched my 25k CL on my flagship.

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750
Take the FICO Fitness Challenge

madmann26 · ‎12-13-2012

@Duncanrr wrote:
Part of me wants to app for another product of theirs to see what CL they might give me. I would choke if they matched my 25k CL on my flagship.

Time for drapping!!!!

Current FICO 9 Scores

Duncanrr · ‎12-13-2012

Only after refi

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750
Take the FICO Fitness Challenge

Mellon · ‎12-13-2012

i have a $14K Cashrewards, a $7k Platinum Card, $10k Navchek and an 8k personal loan...i have dd

swpopham · ‎12-13-2012

I wouldnt worry about that at all if you go over 250k with them it takes upper management to approve though

ME:

NavChek-15k

Cashrewards 10.5

72k auto

69k auto

22k 4-wheeler my income is 165ish

wife-

navChek-15k

cashrewards-15k- wifes income is 65ish

boat- 35k

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar