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We applied for NavCheck the same day as membership. We asked for the full amount, declined with no counter offer. We applied again for $500 and were immediately approved. There was no waiting period after joining. This all just happened. We mailed off the signed paperwork for it today.
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
It's called CLOC (Checking Line Of Credit).NavCheck is an older term that was used a while back. Yes i am also surprised that you were denied. I applied for $500 was approved and went back a few weeks and ask for CLI of $4000 and was approved.
That just sounds like a generic denial to me. We've all seen many instances of instant approval of the full 15k here on the boards. My DW is a prime example. Instantly approved for 10K 2 minutes after membership app. (she apped in branch).
Have you thought about trying to use the pull for a 500 limit. Read quite a few posts lately that this worked to get their foot in the door on the CLOC. It should grow quickly if you get it that way and at least it's not a wasted HP.