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Applied for CLOC requested $15000 and they countered $500 smh. Don't really need it but decided to take it for exposure. Did not get a HP on it, happy with that.
data points:
693 EQ score w/ 14 Inquiries during application
@AllZero wrote:
Congratulations on your approval! It may be a delayed EQ HP.
Probably, if I get a HP I will report back. It's only been 2 days
Congrats on your new CLOC
Congratulations on your approval!!
Congratulations on your Approval..
@AllZero wrote:
Congratulations on your approval! It may be a delayed EQ HP.
If you've had a recent EQ hp for other services with them I've heard you can double dip.
@recoveringfrombk7 wrote:
@AllZero wrote:
Congratulations on your approval! It may be a delayed EQ HP.If you've had a recent EQ hp for other services with them I've heard you can double dip.
That's what happened to me. Had an auto loan pre-approval earlier in the month so I didn't receive a HP for CLOC.
OP: everyone gets 500 now. Too many people were abusing it. It can still grow.
@Brian_Earl_Spilner wrote:
@recoveringfrombk7 wrote:
@AllZero wrote:
Congratulations on your approval! It may be a delayed EQ HP.If you've had a recent EQ hp for other services with them I've heard you can double dip.
That's what happened to me. Had an auto loan pre-approval earlier in the month so I didn't receive a HP for CLOC.
OP: everyone gets 500 now. Too many people were abusing it. It can still grow.
I am not really up on CLOCs. I mean I know what they are...but
Let me ask this: Lets say I am 91/3 on a CC from NFCU. I app for a 2nd card and get approved. Since that resulted in an HP, I decide to go for a CLOC to back up my checking account. I assume they will use that HP for the CLOC? If I never use the CLOC, does it benefit me to have it FICO scoring wise? Am I charged any interest if I dont use it?
@Wavester64 wrote:
@Brian_Earl_Spilner wrote:
@recoveringfrombk7 wrote:
@AllZero wrote:
Congratulations on your approval! It may be a delayed EQ HP.If you've had a recent EQ hp for other services with them I've heard you can double dip.
That's what happened to me. Had an auto loan pre-approval earlier in the month so I didn't receive a HP for CLOC.
OP: everyone gets 500 now. Too many people were abusing it. It can still grow.
I am not really up on CLOCs. I mean I know what they are...but
Let me ask this: Lets say I am 91/3 on a CC from NFCU. I app for a 2nd card and get approved. Since that resulted in an HP, I decide to go for a CLOC to back up my checking account. I assume they will use that HP for the CLOC? If I never use the CLOC, does it benefit me to have it FICO scoring wise? Am I charged any interest if I dont use it?
@Wavester64 they pull TU9 for cards. It would have to be a loan app for the double dip because CLOC is a loan product and they pull EQ9 for that. No, no charge for no use. Immediate interest if you do use it. It is mainly overdraft protection and a semi-ish low interest personal loan for severe emergencies.