Huge NFCU CLI, plus a few other approvals!

[Anonymous]

I've had a banner week so far with approvals!!

First, I was approved for an auto loan refinance with Penfed.  My rate dropped from 8.75% to 2.49%.  This is huge for me because ,  not even 2 years ago, my credit was so awful that all I could get was an 18% auto loan when I bought the car.

Then, last night. I decided to try for a CLI for my measly NFCU Cash Rewards card. I got approved back in January for $2,100.  After all the huge limits I'd been seeing, I was a bit discouraged but, at the time, I was in re-building mode.  Since then, all the baddies are off my reports and my scores are all over 720.  So, I logged in to to the app and requested the CLI.  Oh my goodness -- I went from $2,100 - $20,000!!  WOW!! That is my highest limit by far.  Even though I know this is kind of the norm for them,  It's just so shocking to see it on MY card.

Then I hit up Citi for a CLI on my Costco Visa.  There was no HP and I went from $5,500 - $8,500.  Considering I was on Citi's blacklist for a long time, and thought I would be for years to come. I am thrilled that they like me again!

Nex up, AMEX -- I currently have an AMEX Optima as a recovery product.  I can't get a CLI on it and there are no rewards at all, plus an AF It has a $900 limit and I've had it for nearly a  year and a half.  

I just took a shot and apped for the BCE, figuring I would not get approved because of the Optima.  Low and behold I got approved with a $2,800 CLI!  That's on the lower end but, yay, I am back in with a "real" AMEX card.  I also know I can request the 90 day CLI and hopefully get it increased to $8,400 in 3 months.

Probably best to quit while I'm ahead  

[JoeLuvsHisCredit]

So Happy for you Congrats

[AverageJoesCredit]

Thats awesome indeed. This is why i wish people, especially if your rebuilding , would not look at 1k or 2.1k sls as measly when first starting out with Navy. It only took you 6 months to go from 2.1k to 20k. Nowhere else will you find that kind of progress.

Congrats again on all your success, its amazing how time is a true healer, and it doesnt hurt that Navy has the elixer

[lexus829]

Congrats!! so happy for your rebuild success..!!

[Anonymous]

Congrats on your Amex approval and awesome CLIs.
Navy should really help you out now

[cmm89]

Congrats, OP!

When you requested the CLI, did you hit the "Maximum Amount" or request a certain number?

Thanks!

[Anonymous]

I hit "max amount".

[Anonymous]

Congrats!! That is awesome!

[BPebbles]

Congrats on the GREAT CLI and your new AmEx!!