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Greetings, all, I was approved in May for a $15K cash rewards card at NFCU, been a member for more than a year.
I saw in an earlier thread that others have also started seeing offers in their membership tab that are tailored specifically to them, and I've been seeing the CLOC in "my offers" as well.
Do they use the same HP as they did for the credit card since it's been less than 30 days? If not, I am going to pass.
Input?
Heck no anything you ask for from NFCU is a HP other than an occasional SP CLI on CC if you are eligible and time it correctly. Once again anything you apply for even if it same day is a HP. Be warned they are HP happy, but very generous
Worth it or not? For the CLOC?
@pattycake wrote:Worth it or not? For the CLOC?
Up to you... I have had the CLOC for 3-4 years now never used it, but building history during that time. Really depends on what your goal is? I never used it for util. padding as always had plenty of credit i suppose i got it just cause I could and better to have credit when not needed then not to have it when possibly needed is my theory. They would pull EQ for a cloc btw.
@CreditCuriosity wrote:
@pattycake wrote:Worth it or not? For the CLOC?
Up to you... I have had the CLOC for 3-4 years now never used it, but building history during that time. Really depends on what your goal is? I never used it for util. padding as always had plenty of credit i suppose i got it just cause I could and better to have credit when not needed then not to have it when possibly needed is my theory. They would pull EQ for a cloc btw.
+1
This is the exact reason I have mine--for UT padding. I have not yet used it either, but good to know it's there when/if the need arises.
So OP, it's definitely up to you whether it's worth it or not.
Well, I app’d and was declined for $5500. Not sure about asking for a recon at a smaller amount, such as $2000. I don’t want another HP.