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I think it's time to grab a frosty cocktail and plant your butt on the beach for the next 12 months. You're chasing after things a bit fast and that's why you're piling up denials. You freshly wiped your CR's with a BK and expecting 25K limits in under 2 years. Yeah, it's possible but, not everyone can do the same as another. You have a combined 30K already with NFCU and god knows what else with other lenders.
Credit building is a MARATHON and not a sprint. Take your time, smell the cherry blossoms, and find a hobby other than apps.
@kugel wrote:
I have a nfcu rewards card with a 15k and a cloc of 15k for over 7 months now
I applied for a second card and was not approved just got the letter for the reason is
Request exceeds maximum unsecured loan limit (primery)
Am still good with the cli shot for the first card after all this in may ?
In any case will this effect me getting the CLI on
You are at their internal max. No more NFCU credit you for a while, and most likely not going to get a CLI either. Time to slow down and watch the vegetables grow.
Got the same denial when I applied for NFCU platinum. Been with NFCU since 7/2016. Have $6200 cash rewards and $5000 CLOC
I agree with Austinguy, it would be best to let things sit for 12 months. Of course use all of your credit, especially the NFCU accounts wisely during that time and keep your HPs down. In a year I would try a CLI after an AR and if that works go for that second card.