I didn’t want it to have to go to review when my only intention for the CLOC is so I can set up my NFCU checking as my pay minimum fallback in case I ever miss a payment due date.
$500, 15.9%, no review.
So I have hit up Navy for $5000 between the $4500 CLI for my 91/3 on my cashRewards and the $500 CLOC and been successful. 
Now seriously, I’m in the garden! Lol. 2 EQ HPs in 24 hours from Navy is ummm OUCH!
Very nice. NFCU is a good lender in my opinion. Good luck in he garden.
Navy is a little HP happy but its usually worth the pulls...
Even if your in the LIE camp (Low Income Earners) thanks @averagejoescredit for the term...
You might be able to get a better rate AND a higher than that CLOC and not even requiring stellar fico scores...down the road....
Congratulations
-J
@joltdude wrote:Navy is a little HP happy but its usually worth the pulls...
@Anonymous if your in the LIE camp (Low Income Earners) thanks @AverageJoesCredit for the term...
You might be able to get a better rate AND a higher than that CLOC and not even requiring stellar fico scores...down the road....
Congratulations
-J
I’m in that camp already - that’s why I’m amazed they gave me 7500 (which is what I asked for, definitely left money on the table) at my 91/3 with only $18K income and the fact they were my fourth new account this year (only three are still open though but I added another one with BBVA).
Definitely a relationship I want to nurture.
Nice job. Only thing i havent tried for with Navy is the Cloc. Still not sure i actually need it but who knows, maybe one day
@AverageJoesCredit wrote:
Nice job. Only thing i havent tried for with Navy is the Cloc. Still not sure i actually need it but who knows, maybe one day
Yeah I think the chances of me actually needing it are incredibly slim but the peace of mind of knowing it’s there doesn’t hurt.
Actually finding out that I can cash advance direct from my cashRewards to my checking at lower 13.65% though kind of makes the loan redundant unless I actually forget to put money in my account which is supremely unlikely. I’m allergic to <$100 balances and I would have to miss my minimum payments on 3 cards to dip into the CLOC.
But its there.
Yeah, awesome feature. Im with you, $500 seems a nice buffer for OD. 
Congratulations on your approval!
