NFCU Line of Credit Application

I am not sure this is the right place for this post as it is not a credit card application, so I aologize if I posted incorrectly. Yesterday I logged into my NFCU account & saw the 'Apply for Checking Line of Credit' link & finally decided to click on it.I then completed the Overdraft Line of Credit Application and received the following response:Your application is under review.
• Typically, a decision is made in less than 1 hour.
• You will be contacted shortly.
• In most cases, contact will be made via email or text. That was yesterday around lunch. Today, I logged in and selected 'Check Status of Pending Loan Application' and the status still shows "Review in Process".I take it that's not a good sign. I have received no email or anything about the application.

i app about 2weeks ago, and mine said the same if you put in a cell phone number or email they will text/email you when your approved but the status may say under review. after being approved mine no longer said congrats your credit limit is____. i called and a rep told me for what amount. hope this helps good luck

Similar Messages

Applying for multiple lines of credit at once

Hi all, So I have fair credit (667TU/669Equifax) with ~5 years repayment history on 15 open student loan accounts (ugh), all in good standing with no bad marks on my report. I want to refinance a few of my high-interest private loans, and before that I'm planning to boost my credit by opening up a credit card, my very first in my 27 years. I have an irrational fear of credit cards, as I've seen too many family and friends abuse them and get into a lot of trouble, so it's taken a lot to work myself up to get this far. I'm not sure which would be the best card for me to apply for, and I would be very grateful for any suggestions, but that is not why I am making this post. My s/o approached me last night with a proposition to get a new livingroom couch that we really do need. Apparently Bob's Furniture is having some amazing 4th of July sale that she wants to take advantage of, so she wants me to try to apply for a line of credit with the store in order to finance the purchase (since I don't already have a credit card, and she has literally NO credit whatsoever). I have no doubt that the balance could be paid off within a few months, or even by the end of this month. Would this be a good idea for me, keeping in mind my ultimate goal of getting a credit card and keeping a low balance on it in order to boost my score? Would my application even be approved? And if so, would it negatively affect my score or otherwise affect my chances of applying for another credit card at around the same time? If she tried to apply instead of me, would she be denied (I'm thinking probably, she applied for a Kohl's card earlier in the year to get the discount on her purchase and was immediately denied)? Basically, should I go through with this, advise her to try to open a line of credit herself and start rebuilding her own credit, or tell her to wait until they have another sale and I've had time to apply for a proper credit card?

Murphys-Law wrote:
Hi all, So I have fair credit (667TU/669Equifax) with ~5 years repayment history on 15 open student loan accounts (ugh), all in good standing with no bad marks on my report. I want to refinance a few of my high-interest private loans, and before that I'm planning to boost my credit by opening up a credit card, my very first in my 27 years. I have an irrational fear of credit cards, as I've seen too many family and friends abuse them and get into a lot of trouble, so it's taken a lot to work myself up to get this far. I'm not sure which would be the best card for me to apply for, and I would be very grateful for any suggestions, but that is not why I am making this post. My s/o approached me last night with a proposition to get a new livingroom couch that we really do need. Apparently Bob's Furniture is having some amazing 4th of July sale that she wants to take advantage of, so she wants me to try to apply for a line of credit with the store in order to finance the purchase (since I don't already have a credit card, and she has literally NO credit whatsoever). I have no doubt that the balance could be paid off within a few months, or even by the end of this month. Would this be a good idea for me, keeping in mind my ultimate goal of getting a credit card and keeping a low balance on it in order to boost my score? Would my application even be approved? And if so, would it negatively affect my score or otherwise affect my chances of applying for another credit card at around the same time? If she tried to apply instead of me, would she be denied (I'm thinking probably, she applied for a Kohl's card earlier in the year to get the discount on her purchase and was immediately denied)? Basically, should I go through with this, advise her to try to open a line of credit herself and start rebuilding her own credit, or tell her to wait until they have another sale and I've had time to apply for a proper credit card?A furniture store card is essentially useless to you once you have the couch. I would apply for a card that you can use long term. You will get a score boost when you open a credit card, and it will further help build your profile and score. Unless the sale is insane, I would skip the store card and do some research on what credit card would work best for you (rewards structure). Are those scores FICO scores, or FAKO scores (CreditKarma etc)?

I have just redeemed my iTunes card of 25 dollars, I have 23 dolIars left now, I tried downloading a few songs later, but it says something along the lines of credit mismatch mobile message, I can't download anything with credit. How do I fix the problem?

I really need help, I purchased an iTunes card about an hour ago and downloaded two things, I tried to download a couple songs but it won't let me, every time I try it says something along the lines of credit mismatch mobile message. How do I fix this? It says I have 23 dollars left but it's not working. How do I fix the problem? Please help!

its very annoying but you have to log out of your account. than try to buy the sone. it will ask you to sign in. do it. the sond will start to download. it only works once, so you have to do it over and over for every song :/

Sub-line of credit in case of facilities

Hi,
I have created various lines of credit in TCL1 such as
1.Funded
2.Non-Funded, etc
I created a facility using 56B. At the structure tab, there is an option 'Other lines'. Here, I want to have the Prim.line of credit as the Main line of credit and the sub-lines of credit as
Funded and Non-funded.
However when I try to do that I get an error FTR_FC012:Main Line of credit cannot be selected.
Please guide.

Hi,
Thanks for your suggestion. However, there is a problem.
Let me give u an example for better understanding of the requirement.
eg. Suppose there is a facility sanctioned for $1 million out of which $0.60m is funded and $0.40m is non-funded.
So the limits would be:
Main line of credit/prim.line of credit =$1m. The bifurcation of which would be Subline : funded=$0.60m & non-funded= $0.40m
When I draw $0.30m against Funded sub-line, my drawings should show $0.30m against Funded as well as main(prim.) line of credit.
However, currently I am getting drawings only against Funded and not against the main line of credit.
In other words, it is treating the main line of credit as independent of the subline.

Is it possible multiple line items debit & single line item credit and different cost centers and different profit centers in fbcj

Hi all ,
I have a requirement to Post Cash Journal Document using FBCJ tcode.
Is it possible multiple line items debit & single line item credit and different cost centers and different profit centers
for exp:
pk   GL a/c   description       amount   cost center profit center
40 400101 telephone exp   500        1403            P 1000
40 400101 telephone exp    100       1404            P 2000
50 200100 cash in hand      600-
   This is My requirement is it possible in fbcj
    Please suggest me.ASAP.
Regards
   Naresh.

Hi,
This you can do it in two ways:
1. Make three header under top level....one Product A, 2nd Product B ( as Billing element) and third as Common expense ( only cost). Now 1st & 2 nd WBS, you have to have sales order linking with individual lint item, for third you will accumulate all the common expense till the period end then make a reposting of the same in desired proportion to both products WBS hierarchy
(This is if you want to have a track on the common expense as well.......like planning, budgeting & control)
After this reposting, run RA for individual billing element and hence you will all the complement detailing and control over Revenue and expense with respect to Product A and Product B individually.
2. If you don't want to maintain that kind of detailing the common expense and keep track of it through project, then have cost centers accordingly and make an assesment/ distribution with respect to expenses accumulated at those cost centers for the period to the respective WBS under each product. Then execute the period end processes for the project.
Or
You can try with have two more line items in the costing sheet as an overhead against common expenses with respect each product.
I hope this should help you.
Regards
Avisek Bhardwaj

Draw negative lines to credit notes

There are business cases for using negative lines on marketing documents. In most documents these are now, or are soon to be, working, but there appears to be no plan to allow these to be drawn to credit notes?
If this is not possible, it would be good to at least allow the draw document wizard to open allowing the positive lines to be drawn, leaving the negative ones behind. This will allow the item costs to remain accurate and remove the possibility for error in translation.

Mrs. Jamieson,
Negative lines in Credit note will be available in 8.8 release.
Regards,
Martin Duffek
SAP Business One

Personal line of credit help

Long story semi-short... 700-740 fico depending on which one.... I've had lots of different car loans, and a mortgage but only 2 revolving lines (both only $250) in the past 7 years. I applied and got approved through psecu for there ploc/visa combo for $20,000. I do a lot of car loans through them so I figured it wouldn't be a problem, but i'm probably on the edge for other banks ploc that I don't have that history with. What I want to do is open another personal loc, pull the money off the second line of credit, then balance transfer that to psecu to take advantage of the 2.99 transfer promo rate instead of 9.99%. My question is, since before I got approved for this 2 days ago I really didn't have any revolving credit worth speaking of, am I better off applying for another one now before this one shows up on my credit or waiting for it to show up on my credit that I have 2 lines with $20,000 limits? I just remember once before when building my credit I started with low limit cards and the next offers would just keep getting gradually higher than the last building off each other..... So is it better for a bank to know that another bank has trusted me with 2 $20,000 limits or better to look like I don't have any at all? I hope this makes sense after thinking about this a minute i guess the second line woudnt HAVE to be a PLOC and could be a cc since im just going to transfer it anyway, but i like the idea of PLOC's and the lower interest rates than credit cards. Any advise on PLOC's that I might be able to qualify for?

Until I applied for my Discover card last year, the only things on my credit report were student loans and maybe a closed JCPenney card that waas closed in 2012. I was approved with similar scores to yours. I think it just depends on the bank's criteria for approving credit cards. Some want to see a history of responsible credit use, others seem to look at scores alone. I know that probably doesn't help, but it's my 2 cents.

Bank account lines of credit

Everytime I sign into my bank account it asks me if I want a credit line in order to avoid bounced checks etc. If I check yes to this will it result in a HP? Also, does this show up on my credit report as a line of credit similiar to a credit card?

DeeBee78 wrote:
red259 wrote:
Creditaddict wrote:
DeeBee78 wrote:
red259 wrote:
Everytime I sign into my bank account it asks me if I want a credit line in order to avoid bounced checks etc. If I check yes to this will it result in a HP? Also, does this show up on my credit report as a line of credit similiar to a credit card?Everyone needs to stop saying it won't result in a HP . It depends on the bank. Capital One 360 does a HP when applying for an overdraft LOC, and every time you request a CLI. Their Overdraft LOC does not show up on credit reports. i think when op stated that this is actually just permission to pay transactions that will make you negative vs an overdraft line means it won't be a hp because it's not an actual account, it's the disclosure they are required for you to agree before charging you $34 for using your debit card when your checking account is empty. If I miss understood that, then im confused again!Yea, I think this is what it is. Just the disclosure and authorization to pay an overdraft and zing me with the interest. You guys are confusing each other - it's not the same thing. Opting into overdraft protection will result in an exorbiant $25+ one-time fee per transaction. Opting into an overdraft line of credit is when they'll charge you interest for everything that takes you below a $0 balance. Overdraft protection isn't a line of credit, so no HP or SP.Overdraft line of credit could be a HP or SP. Of course now when I log in it doesn't pop up when it has been popping up for the last several months. I can't find the wording they used. I know for a fact what I had with citibank was an overdraft line of credit in the sense that I was charged interest. I can't remember the wording that my main bank used. Maybe the offer will pop up against later and I can cut and paste it.

REport: Lines on credit hold ? what is purpose of this report

Hi All,
I couldnt find much information about this report Lines On
credit hold.I was having question ,is it possible to place
cerdit hold on lines? Because as per my knowlage credit hold is
order level hold not line level and looks like this report picks
up lines on credit hold ,hows is possible.I was confuse.If any
one has idea about it,pls let me know.
regads

I am not sure what this question relates to - it might be an
Oracle Order Management question.
Hi All,
I couldnt find much information about this report Lines On
credit hold.I was having question ,is it possible to place
cerdit hold on lines? Because as per my knowlage credit hold is
order level hold not line level and looks like this report picks
up lines on credit hold ,hows is possible.I was confuse.If any
one has idea about it,pls let me know.
regads

Line of Credit

I m doing line of credit in Bill of Exchange.
My Scenario is following
FB70 Customer invoice   Customer A/c Dr
                                        To Sales
F-36 Pmt                        BOE A/c Dr
                                        To Customer
F-33 Discounting            Bank A/c Dr
                                         To Disc. liab.A/c
Now at this stage i recvd the amt from my Customer also.
Then at this stage i have rcvd amt frm bank as well as customer also.
Now what is entries should be passed ?
Shall i pass F-20?

As I can understand:
1.You have discounted the BOE with a Bank and received payment from the Bank.
2.You have also received payment from the customer.
Action required:
1. Reverse the BOE through F-20 as it is not required any more.
2. Pass an entry for F-33 reversal also
3. Post incoming payment through F-28.This will clear the customer balance from FB70.
Rgds
Harmees

Unused Limit Fee for Non-revolving Lines of Credit Calculation

Hello, gurus!
Question is about non-revolving lines of credit. In line's master we specify some additional flows besides limit, period of validity.
So when we define unused limit fee parameters in non-revolving line of credit master, the system automatically generates financial flows for this fee calculating as
(Initial Credit line Limit - Tranche Amounts + Tranche Repayments)InterestDays of calculating/Days in the Year.
Which is incorrect for Non-revolving lines which should not take in concern Tranche Repayments.
So we need to either ignore repayment flows or change calculation method for Unused Limit Fee flows.
We tried to fix this both with SPRO and ABAP but it didn't help.
Would be great to hear any ideas!
Thanks.

Until I applied for my Discover card last year, the only things on my credit report were student loans and maybe a closed JCPenney card that waas closed in 2012. I was approved with similar scores to yours. I think it just depends on the bank's criteria for approving credit cards. Some want to see a history of responsible credit use, others seem to look at scores alone. I know that probably doesn't help, but it's my 2 cents.

Summer App Spree AMEX, CITI, NFCU, BOA Building Credit

Have been deployed since August of 2014. Soon returning. Used the time to rebuild and work on my credit. Got a car loan in April 2014 with M&T then refinanced through USAA for 4.00%. Applied for nRewards with NFCU in July 2014 and was approved for 3,000. Applied for LOC and got it to 15,000. Applied for Cap One QS 1 and Platinum 500 each, EO bumped up one to 1500. Now that i'm coming home and have (for the most part) not done much of anything credit related while I was gone (other than NFCU CLIs and Chase Slate for a balance transfer) i've come out the garden swinging. APPROVED 7/16BOA HRC Cash Rewards 3500AMEX BCE 2500AMEX PRG w/ 50,000 sign up bonusNFCU PC from nRewards to Flagship Visa Sig with 18,000 Credit LineDISCOVER IT CLI +500 PENDING 7/16 Citi Premier -- was originally denied, the EO is reviewing my application again and will get back to me by Monday. Provided me with direct line to call to give additional info or ask questionsNFCU Cash Rewards - just waiting on site to update my app I hope to close or consolidate my smaller limit cards and higher interest cards. I didn't intend to go on a spree prior to purchasing another car but eh, you live once. Will certainly garden after my car purchase so I can look forward towards a mortgage. And for those who are wondering, INQ - somewhere between 7-13 on each, AAofA 4 years, one paid collection, no unpaid collections, one 120 day late from 4 years ago, 3 30 day lates from two years ago to the day when I lost my civilian job - all on credit cards. My scores are from myfico. Oh by the way, when I got the slate in February I believe it was, I had more than 5 accounts in two years. Thanks to everyone for their help, i've been on this forum for over a year now I just never post anything.

Great Job. Try PenFed for your car loan. I've always found their rates far better then USAA or NFCU for auto but YMMV. Also, if you dont have an account with them, they do a HP for account openings and your pull is good for 30 days for any of their products. Goodluck on your car purchase and Congrats on the very sucessful app spree.

$150 port in credit x2 lines no credit received

I can tell from other posts that many others are just as frustrated as I am. I switched from T-Mobile to Verizon on December 29th and was in luck, or so I thought, that they were offering a port in credit of $150 per smart phone. My husband and I made the switch, in part due to this credit promise. Fast forward four months and not credit. I have called each month, and have been told that it can take 2 billing cycles, so I waited. Last month was told that the credit was coming and they were so sorry for the delay and that I could expect it on the next and she was preparing a "ticket" to get this credited for me. I get this months statement and still no credit. So I reach out again, and am now, for the 1st time of my 4 previous calls, told that I was not eligible unless I switched to an Edge plan. This is simply not true and nothing on the internet really dies, so even researching on my own a quick search indicates, that the promotion was for a switch to a subsidized 2 year plan or an Edge plan. The suggested recourse was to go back into the Verizon store I purchased from as they may have a hard file on my purchase with more detail than can be accessed by customer service. Has anyone been successful in receiving the promised credit, and if so, what worked? Thanks!

This is the advertised promotion starting 12/29
More Data and Port in credits for Verizon Customers
IT does require a new line of service ported from another carrier, with the purchase of a phone on Edge.

Problem - over lie of data series in Line chart (Web Application Designer)

Dear Experts,
I have created a chart with below requiments from my user by using web application designer.
1) Key Figure 1 (Chart type -> column )
2) Key Figure 2 (Chart type -> column )
3) Key Figure 3 (Chart type -> Line; color assigned -> BLACK;    Visibility: Visible)
4) Key Figure 4 (Chart type -> Line; color assigned -> YELLOW; Visibility: Visible/Hidden)
5) Key Figure 5 (Chart type -> Line; color assigned -> RED;         Visibility: Visible/Hidden)
The line chart of Key Figure 3 must always appear in Front then others Key Figures.
Then following by, Key Figure 4. Last is Key Figure 5.
As I know the order of display line chart is infflucing by the order of Key Figure in structure by descending, likes below
1) Key Figure 3 (Rank of front -> 3rd; Chart type -> Line; color assigned -> BLACK;    Visibility: Visible)
2) Key Figure 4 (Rank of front -> 2nd; Chart type -> Line; color assigned -> YELLOW; Visibility: Visible/Hidden)
3) Key Figure 5 (Rank of front -> 1st; Chart type -> Line; color assigned -> RED;         Visibility: Visible/Hidden)
So, I have conflict on fulfilling these 2 request on assigning the color and control their visibility and lines over lie.
Please advice me if you have any suggestion on controlling the lines order.
Thanks!
~ GP
Edited by: GP Poh on Jun 9, 2010 12:32 PM

Hi Priya, thanks for input.
I think I should further elaborate the problems. Thanks for your highlight.
I have a lines chart with five key figures. So my chart will have five lines.
Some lines from chart will overlap if the data are same.
When overlapping of lines happens, I want to control the order of which series should be appear first.
Likes below example,
1) Key Figure 1 (Chart type -> column )
2) Key Figure 2 (Chart type -> column )
3) Key Figure 3 (Chart type -> Line; color assigned -> BLACK; Visibility: Visible)
4) Key Figure 4 (Chart type -> Line; color assigned -> YELLOW; Visibility: Visible/Hidden)
5) Key Figure 5 (Chart type -> Line; color assigned -> RED; Visibility: Visible/Hidden)
           KF1 KF2 KF3 KF4 KF5
CW 1    30     30    80    80    50
CW 2    40     50    90    60    90
CW 3    70     50    90    90    90
CW 4    80     70    70    90    70
As you can see, there is overlap in these value.
CW 1 KF3, KF4 -->80
CW 2 KF3, KF5 --> 90
CW 3 KF3, KF4, KF5 --> 90
The order which i want the series should appear first when overlapping.
- KF3 must appear on top.
- Then, follow by KF5
- Last is KF4.
So now, i have no idea to control the overlap orders except adjusting the sequence of keyfigure from query.
Feel free to give me any input!

Is anyone else observing black lines all around applications windows in Mavericks?

Note that when I am in application windows am observing lines around my applistion windows as if there ewre multiple echos of the window and this happened since I upgraded from Mountain Lion to Mavericks. I will attempt to insert a screen shot of the problem. I'm wondering if this is a common problem with Mavericks and how to stop it or cure the problem.
I'm using a 17" MBP
Image to the left is enlarged image corner

it seems to still be working... I thought the problem is generated by some program conflict so therefore I erased all .plist files in preferences/library from old programs I don't use especially those tweak programs from older versions of mac os x. And also all plist files that has to do with the word graphic. The computer works fine afterwards. The lines appeared after a while after starting the computer but now I haven't turned it off since 30 hours ago and it is still running. I've done a few restarts since the cleansing af plist files in the days before. I don't know still what the problem is but I know that I did one thing more and that is too changing "automatic graphic exchange" in system back and forth. I've a idea that it maybe was the trick.
/Thomas

NFCU Line of Credit Application

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