No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Was just accepted into the NFCU family, Super excited! I have a questin tho. I havent applied for CC yet even tho I was preapproved for the CashRewards. I want to get a Autoloan from NFCU also. Which one should I applied for first Autoloan or CC?
@kauaiboy2k13 wrote:
@Genkeim wrote:Been on a roll lately. $3k NavCheck, 0% new car loan, Amex BCE $2k, Chase Freedom $1k. So tried my luck with my NCFU nRewards card. I had a $500 limit. Figured I'd go big and request a $5000 limit. BAM instant approval. Since it wasn't a counter offer I figured there was more they'd give me. So went back and asked for $10k. BAM counter offer for $8.5k. Accepted! $8k CL increase.... amazing.... just amazing.... Kicking myself for not asking for more on the NavCheck haha oh well best to not be greedy, need to leave some room on the other cards to grow!
Was the 2 CLI requests in the same day as the $500 original approval?
Sorry for the late reply, just getting back to this thread... No the original approval was in Aug '13 and the 2 CLI's was Feb '14. After this I asked for the nRewards to be changed to a Visa Signature cashRewards card. Which they did no problem!
@Mish0817 wrote:how does nfcu look at utilization for cli?
I'd like to know this as well I have some balance around 4,200 out of the 5k limit but I've paid it down and used it again a few times I'm getting ready to pay it down again but I wonder if it matters I've never been late on them really I just want a CLI to bring my UTIL down as I think 5k is about all I really would care to use on a regular basis anyway.
Recieved my denial letter today.
Excessive Credit Obligations.
EQ - 716
Which is strange seeing as I have about 1% utility on my cards.
If they're counting my auto loan. Of course that goes up a bit.
Oh well.
@H4LO wrote:Recieved my denial letter today.
Excessive Credit Obligations.
EQ - 716
Which is strange seeing as I have about 1% utility on my cards.
If they're counting my auto loan. Of course that goes up a bit.
Oh well.
Were your balances actually updated on your CR to reflect the 1% util? I'm wondering if you maybe had high util and paid it down and all of your accounts just hadn't updated yet.
@Rhaeny wrote:
@H4LO wrote:Recieved my denial letter today.
Excessive Credit Obligations.
EQ - 716
Which is strange seeing as I have about 1% utility on my cards.
If they're counting my auto loan. Of course that goes up a bit.
Oh well.
Were your balances actually updated on your CR to reflect the 1% util? I'm wondering if you maybe had high util and paid it down and all of your accounts just hadn't updated yet.
My accounts were paid down. I have two accounts that I'm using the 0% period.
I have 1.6% Util between my cards. So less than $1k out of $60k
Interesting.
My CR's are spotless.
Though one of my student loans just updated on EQ at the time NFCU pulled. But that's very miniscle. $900
OK so I was slightly chicken I have a 14,000 limit on my Visa Sig Cash Rewards
I got the first screen... http://i89.photobucket.com/albums/k236/MaStA_XS/Untitled.jpg
I only requested 20,000 and it was an instant approval
Went back in and requested from 6K to 15K on Platnium Mastercard ... Instant as well... I love this board....lol
@devastatah wrote:OK so I was slightly chicken I have a 14,000 limit on my Visa Sig Cash Rewards
I got the first screen... http://i89.photobucket.com/albums/k236/MaStA_XS/Untitled.jpg
I only requested 20,000 and it was an instant approval
Went back in and requested from 6K to 15K on Platnium Mastercard ... Instant as well... I love this board....lol
great increases but you left some on the table!!!