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Navy cloc

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Regular Contributor

Navy cloc

So I already have a small $500 cloc with navy in my personal account. Today my wife called and we applied jointly for a cloc on our joint checking account. She didn’t realize they would counter and applied for $500 they approved it @14.9 mine in my own was approved couple months ago for 16.9. I’m afraid she left money on the table. I called navy and they said only thing to do is to cancel the original approval and re apply? Is this okay to do or a waste of time ?
Discover it miles 9/19 Sl 5000 | Care Credit 9/19 SL 3500 | Cap 1 QS 4/14 AU 500 | Cap 1 QS1 4/14 AU 600 | NFCU Secured 8/19 200 | NFCU CLOC 9/19 500 | NFCU auto 10/19 6.29 66k | NFCU Auto 4.9% 37k
Experian- 702
Equifax- 676
Transunion- 611
Util- 9%
Message 1 of 6
5 REPLIES 5
Community Leader
Mega Contributor

Re: Navy cloc

Another hpSmiley Sad. If you really need more than $500 ovedraft then you might consider it but it will be another hp. Navy = HP Smiley Wink
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Message 2 of 6
Super Contributor

Re: Navy cloc


@AverageJoesCredit wrote:
Another hpSmiley Sad. If you really need more than $500 ovedraft then you might consider it but it will be another hp.
Navy = HP Smiley Wink

You might as well add

PenFed = HP

 

Message 3 of 6
Community Leader
Super Contributor

Re: Navy cloc


@aesl1982 wrote:
So I already have a small $500 cloc with navy in my personal account. Today my wife called and we applied jointly for a cloc on our joint checking account. She didn’t realize they would counter and applied for $500 they approved it @14.9 mine in my own was approved couple months ago for 16.9. I’m afraid she left money on the table. I called navy and they said only thing to do is to cancel the original approval and re apply? Is this okay to do or a waste of time ?

I wouldn't because it would probably be another HP knowing Navy. No way!

GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 804
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| NFCU CashRewards $30K || AmX Cash Magnet $25K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 4 of 6
Community Leader
Super Contributor

Re: Navy cloc


@AverageJoesCredit wrote:
Another hpSmiley Sad. If you really need more than $500 ovedraft then you might consider it but it will be another hp. Navy = HP Smiley Wink

Ditto and you'd probably only get another $500.


IMHO, OP, if you dont mind wasting a HP, apply for a CLOC instead. 

EDIT. Oops, is the $500 you were approved for an OOPS or a CLOC? If an OOPS, I suggest leave as is. If a CLOC, I would try for a higher amount  

GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 804
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| NFCU CashRewards $30K || AmX Cash Magnet $25K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 5 of 6
Regular Contributor

Re: Navy cloc

It was the CLOC.
Discover it miles 9/19 Sl 5000 | Care Credit 9/19 SL 3500 | Cap 1 QS 4/14 AU 500 | Cap 1 QS1 4/14 AU 600 | NFCU Secured 8/19 200 | NFCU CLOC 9/19 500 | NFCU auto 10/19 6.29 66k | NFCU Auto 4.9% 37k
Experian- 702
Equifax- 676
Transunion- 611
Util- 9%
Message 6 of 6
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