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Thanks all! NFCU $10,000 CL!

Contributor

Thanks all! NFCU $10,000 CL!

Thanks guys. Without this board, I never would have even known they existed. Worked out well for me. Thank you for your insight.

Message 1 of 29
28 REPLIES
Contributor

Re: Thanks all! NFCU $10,000 CL!

Visa Signature cashRewards card.

Message 2 of 29
Valued Contributor

Re: Thanks all! NFCU $10,000 CL!

Nice, congrats!

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 3 of 29
Established Contributor

Re: Thanks all! NFCU $10,000 CL!

what kinda credit limits do you have besides this? Smiley Happy


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 4 of 29
Contributor

Re: Thanks all! NFCU $10,000 CL!

I have a CapOne Venture Rewards (3500)

Sam's (600)

A small Capone (500). I think it used to be Orchard Bank maybe)

A brand new Best Buy (2500)

 

I also have an Arvest Corporate Card (5000) but it never reports on my credit report.

Message 5 of 29
Established Contributor

Re: Thanks all! NFCU $10,000 CL!


martinkk wrote:

I have a CapOne Venture Rewards (3500)

Sam's (600)

A small Capone (500). I think it used to be Orchard Bank maybe)

A brand new Best Buy (2500)

 

I also have an Arvest Corporate Card (5000) but it never reports on my credit report.


lol damn did you PC your Cap One? That's a big jump from your credit other credit cards.  Also I would drop Capital One Venture card since you got Navy =x Flagship Rewards is cheaper annual fee and samething with better customer service.  Flagship = 1 point per purchase but Flagship's points are worth 2x. Or better yet use the Flagship as a reason to stop doing business with Capital one and try to recon them into raising your credit limits on it to match or exceed Navy Smiley Wink


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 6 of 29
Valued Contributor

Re: Thanks all! NFCU $10,000 CL!

Very nice, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 7 of 29
Contributor

Re: Thanks all! NFCU $10,000 CL!

that is kind of what I was trying to do. I,ve had the CapOne since 08 after BK in 12/06. Started secured by 1000 for 1500 CL. About two years ago,they offered the PC and returned my deposit. I've asked for a CLI twice since with no luck. I use it excessively and often pay more than once a month so I can keep using and that one card totally controlled my credit score.  I explained this to NFCU. For a long time, (until now, actually) I made the mistake of paying in full before statement date so always reported zero, but CapOne knew I used it a lot. 

Message 8 of 29
Moderator Emeritus

Re: Thanks all! NFCU $10,000 CL!

Congrats!!! Agree with others that this will be a perfect opportunity to move your cap 1 business over to NFCU flagship card!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Message 9 of 29
Regular Contributor

Re: Thanks all! NFCU $10,000 CL!

Congrats OP!

 

I also just started with NFCU and opened a checking, savings, ira, credit card, and overdraft line of credit. I applied for and was approved for a refinance on my auto loan but they offered an interest rate of 4.99% and I currently receive 1.49% from PenFed so I withdrew my app.


The NFCU credit card I applied for was the Platinum VISA and it was approved with a $14,000 credit limit and 12.99% interest rate. The other cards that I have are:

Chase Amazon VISA ($2K limit)

Barclaycard Ring ($2K limit)

Discover IT ($1,200 limit)

Delta CU Visa ($500 limit)

Macys Store Card ($350 limit)

Kay Jewelers ($6000 limit)

 

As for the overdraft line of credit I requested $1000 and received that amount.

 

So you can see I was HIGHLY surprised when they approved the credit card for that much. Although I would have rather had a reduced APR instead of the increased CL. The Platinum NFCU card can have an APR as low as 7.99%. Thank goodness I only carry balances from time to time.



Starting Score: EQ 675 | TU 688 | EX 702
Current Score: EQ 795 | TU 788 | EX 770
Goal Score: 750 (Across All 3)


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Message 10 of 29