NFCU CLOC Application

[SFLSpotter9210]

Well last night I decided to apply for the NFCU CLOC. Put in the full amount @ 15,000. Woke up and called in and nice lady said your conditionally approved for 500.00. I said well I want to think about it due to not getting a HP notification yet from any monitoring apps. Then the dreaded alert came in they pulled Equifax which they already advised as such. 

So I decided to call back and ask for a counter counter offer of 5,000 lol. I learned in life that you will never get anything without asking. So the kind young lady said absolutely I can put that in for you. And boom she hits the send button and says good luck you should be notified with 1-3 hours. 

So when I hear anything back I'll surely post and update. Crossing my fingers hopefully that the NFCU gods deem me credible to take upon their gift 🎁 of the NFCU gods have to offer lol I'm rambling on now. 

[AverageJoesCredit]

Good luck only a true MFer would try to counter a counter😎👺

[AllZero]

Congratulations on your approval!

[Anonymous]

From what I'm hearing and seeing this thing is not worth the hp anymore, I was told by multiple navy csr and it's been documented on here that they have tightened the reins on this thing bad, almost everyone who gets approved gets 500$ and that's it. Maybe you will get lucky but all approvals lately on the board have been 500$

Good luck

[AverageJoesCredit]

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@Anonymous wrote:

From what I'm hearing and seeing this thing is not worth the hp anymore, I was told by multiple navy csr and it's been documented on here that they have tightened the reins on this thing bad, almost everyone who gets approved gets 500$ and that's it. Maybe you will get lucky but all approvals lately on the board have been 500$

Good luck

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For most, is more really needed?  Most use it for padding not actual use since the card apr is usually lower than the cloc apr. My only time i applied they did not counter. Dont plan to ever app it again

[SFLSpotter9210]

I'm a sales guy by nature so I always ask for a discount or for anything extra you'd be surprised how often it works better than 50%. 

But this day was a failure boooo lol. Oh well I already took the HP so I accepted the 500.00. The nice young lady said it's based on length of membership, active duty, or direct deposit status always helps. 

I'll weigh my options in the future to see if I want to bite the bullet on another HP to get the total 15,000. 

Hope everyone is staying safe. 

[M_Smart007]

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@SFLSpotter9210 wrote:

I'm a sales guy by nature so I always ask for a discount or for anything extra you'd be surprised how often it works better than 50%. 

But this day was a failure boooo lol. Oh well I already took the HP so I accepted the 500.00. The nice young lady said it's based on length of membership, active duty, or direct deposit status always helps. 

I'll weigh my options in the future to see if I want to bite the bullet on another HP to get the total 15,000. 

Hope everyone is staying safe. 

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"The nice young lady said it's based on length of membership, active duty, or direct deposit status always helps. "

This is 100% what I was told on the phone also ^^^^^^^^

Congrats on your CLOC.

It is worth it, if you are ever saved from a bounced check.

@SFLSpotter9210, You can also request "NAV" checks to write against the LOC if necessary.

(a lot of people either forget or do not know about this option)

Take care & Be Safe!