Had a small oops yesterday when I paid some bills and transferred my remaining funds (except for $100, which I always keep in checking for ATM needs or something) to my NFCU credit card to pay it off. Apparently I forgot one pending PayPal debit and it was going to be returned. Luckily I was contacted by NFCU to transfer the funds over so they could force pay it. This NEVER happens - can only remember it happening once more several month ago when I mailed a rare check and thought I had transferred funds to checking to cover it, but must not have. Again, I was saved my NFCU as they force paid it and reached out. Sigh. BUT it was enough to push me to try for a CLOC, just as a precaution in the future.
Anyway, called in and they asked me how much I wanted to apply for. I asked if they would counter if the amount I requested wasn’t approved and the rep said no. I was surprised since I know I’ve seen counters reported here before. But went for the $15k anyway. I wasn’t expecting a response yesterday since I’m an employee and all apps have to go to the employee section, but shockingly enough, got the approval within 10 minutes! Full $15k requested, at 13.90%.
Anyway, called in and they asked me how much I wanted to apply for. I asked if they would counter if the amount I requested wasn’t approved and the rep said no. I was surprised since I know I’ve seen counters reported here before. But went for the $15k anyway. I wasn’t expecting a response yesterday since I’m an employee and all apps have to go to the employee section, but shockingly enough, got the approval within 10 minutes! Full $15k requested, at 13.90%.
Right? I’m not really sure... seemed strange to me. I almost decided to ask for less but figured, what the hell. Ha!
Thank you! And yes they are. I started working there at 19 years old so they definitely helped keep me on track! 14 years later, still proud to be an employee.