Will I get a credit card increase with NFCU?

[babbles]

I have a strong credit file, plus 720 across the board but high DTI with a rental home.  How likely would I be to get an increase upon request?  current limit 24k but utlizing 94% current rate 11.65%.  Time with the card, over 9 years.  one increase and I don't really want to waste an inquiry.

[AverageJoesCredit]

94% on their card, i would think very unlikely,though ymmv. In your case, hoping for a sp increase pushing max button to get to 25k does you no good. You would best be served trying for a hp increase and ask for the full 50k . If approved that would cut your uti to about 50%, give or take. 9 year history should be worth something to them even upon recon

[CreditInspired]

Agree with AJC -- very unlikely, yet YMMV.

IMHO, a maxed out card is a no-no and even if you got 50K, your UT would still be too high on this one card. And no question, it would be a HP!

Also, I believe with a high DTI ratio, you may have already reached NFCU's internal limit.

How is the UT on your other cards? Are you maxed out on those or are you <9%? If total UT is <9%, you may have a chance at a successful CLI.

[babbles]

Thanks for the replies I have a USAA rewards card with a limit @$500 with a zero balance.

[JoeLuvsHisCredit]

Agree with AverageJoesCredit