Help with Navy LOC PLEASE!

[Anonymous]

I was about to apply for a LOC with Navy and I used "combined" household income when I applied for the cashRewards CC. (actually lowballed it somewhat) 

What should I use for the LOC?  It says have employment information ready before applying.  If they request docs I need to be prepared. 

Thank you for any advice. 

[Creditaddict]

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@Anonymous wrote:

I was about to apply for a LOC with Navy and I used "combined" household income when I applied for the cashRewards CC. (actually lowballed it somewhat) 

What should I use for the LOC?  It says have employment information ready before applying.  If they request docs I need to be prepared. 

Thank you for any advice. 

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I would just use the same and IF they ask for income verification I think in the case of husband/wife they will take your paystubs and bank statements for the HHI but sometimes navy is weird about how and what they take and other times not so it's a toss up but I think for now just keep it the same as you did previously especially since I believe you told me the rep told you to do it that way

[Anonymous]

Ok, do they always ask for bank statements?  There's a hold on my DH's bank account right now and it won't be released for a while.

[Creditaddict]

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@Anonymous wrote:

Ok, do they always ask for bank statements?  There's a hold on my DH's bank account right now and it won't be released for a while.

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no, they may ask for nothing.

[Anonymous]

Nervous, but I'll do it. 

Is it best to call CSR, my advisor or do it online?

[Creditaddict]

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@Anonymous wrote:

Nervous, but I'll do it. 

Is it best to call CSR, my advisor or do it online?

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online!

[Anonymous]

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@Creditaddict wrote:

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@Anonymous wrote:

Nervous, but I'll do it. 

Is it best to call CSR, my advisor or do it online?

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online!

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Ok, did it.  Gave me a reference number and said decisions are usually made in an hour.  Think I'll throw up now! lol

[JustinS]

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@Anonymous wrote:

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@Creditaddict wrote:

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@Anonymous wrote:

Nervous, but I'll do it. 

Is it best to call CSR, my advisor or do it online?

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online!

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Ok, did it.  Gave me a reference number and said decisions are usually made in an hour.  Think I'll throw up now! lol

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Don't worry Navy is very nice and personable about everything. Heck I got a courtesy call today about my account and getting setup with access to it online. Told the rep I already had everything setup online for the website and she was like oh ok so you're all set and so forth. They so far are already impressing me because other banks do not do such polite outbound follow-ups to be sure you're not struggling with anything about the account/questions etc.

I doubt you run into any major problems and if you do they'll be right there to help anyhow. I know my NavCheck near instant approved for the full 15k without POI (unless the docs show something requesting info when I get them). CashRewards CC also approved within about an hour for 13k without POI as well. Clearly NFCU is not in the biz of hassling members at all.

[Anomalous]

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@Anonymous wrote:

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@Creditaddict wrote:

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@Anonymous wrote:

Nervous, but I'll do it. 

Is it best to call CSR, my advisor or do it online?

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online!

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Ok, did it.  Gave me a reference number and said decisions are usually made in an hour.  Think I'll throw up now! lol

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Good luck!

[Anonymous]

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@Anomalous wrote:

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@Anonymous wrote:

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@Creditaddict wrote:

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@Anonymous wrote:

Nervous, but I'll do it. 

Is it best to call CSR, my advisor or do it online?

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online!

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Ok, did it.  Gave me a reference number and said decisions are usually made in an hour.  Think I'll throw up now! lol

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Good luck!

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Thank you!  I'm so nervous.