NFCU CLOC $15k!

[Anonymous]

I promise this is my last approval post for the next year (other than SP CLIs). Especially since I really, really want to be eligible for the CSR next year! Anyway, I finally told BOA to hit the road after terrible customer service over the past 10 years. Since NFCU has been so good to me (CR $6k & GR $25k) I decided to transfer my direct deposit and all of my banking to NFCU. My husband then suggested that I apply for a CLOC as he said it’s always something good to have in case of emergencies. I applied last week but I didn’t hear back, so I just assumed I was denied. Fast forward to yesterday evening when I received the CLOC agreement in the mail for the full $15k. I hate how high the interest rate is (16%) so I doubt I will ever use it for anything big. But it will pad my utilization. NFCU for the win again!

[Anonymous]

Congrats on your approval , 15k is very nice padding for your uti !!!

[Blodreina]

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@Anonymous wrote:
I promise this is my last approval post for the next year (other than SP CLIs). Especially since I really, really want to be eligible for the CSR next year! Anyway, I finally told BOA to hit the road after terrible customer service over the past 10 years. Since NFCU has been so good to me (CR $6k & GR $25k) I decided to transfer my direct deposit and all of my banking to NFCU. My husband then suggested that I apply for a CLOC as he said it’s always something good to have in case of emergencies. I applied last week but I didn’t hear back, so I just assumed I was denied. Fast forward to yesterday evening when I received the CLOC agreement in the mail for the full $15k. I hate how high the interest rate is (16%) so I doubt I will ever use it for anything big. But it will pad my utilization. NFCU for the win again!

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Who did they pull

[Anonymous]

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@Blodreina wrote:

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@Anonymous wrote:
I promise this is my last approval post for the next year (other than SP CLIs). Especially since I really, really want to be eligible for the CSR next year! Anyway, I finally told BOA to hit the road after terrible customer service over the past 10 years. Since NFCU has been so good to me (CR $6k & GR $25k) I decided to transfer my direct deposit and all of my banking to NFCU. My husband then suggested that I apply for a CLOC as he said it’s always something good to have in case of emergencies. I applied last week but I didn’t hear back, so I just assumed I was denied. Fast forward to yesterday evening when I received the CLOC agreement in the mail for the full $15k. I hate how high the interest rate is (16%) so I doubt I will ever use it for anything big. But it will pad my utilization. NFCU for the win again!

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Who did they pull

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Equifax. My FICO8 at the time was 673.