Credit Cards

[skyisthelimit]

I was initally approved for a 2k line through NFCU cashrewards card about 1.5 years ago (same time my fico was around 550's).  Fast forward to today (after some baddies fell offf) my score is 685 and decided to "pull the trigger" after viewing several differnt threads on this board about CLI and app's for Credit Cards.  I was insta-approved for $7500 (wasn't sure how high to go, and didn't want to see the 3-5days messsage!!!).  Almost a 4x limit increase, this helps drop utilization (which I keep the card around 300-500 and will stay at!!!).  After the .00001 secs to approve, I decided to shoot for the visa flag card (this time I got a 2-3 days to process message).  I will not be applying for anymore credit cards, want my Age of accounts to increse and credit inq's to drop off (not sure if NFCU did a HP yet).

[Karunch]

Congrats!  That's a pretty nice CLI! 

[pizzadude]

Congrats on the CLI and also possible approval !! You might end up with two separate HPs ( NFCU is pull~happy ) but IMO it is worth it !

[BigDaddy18]

Congrats, mine was an Auto CLI with just a soft pull super awesome!!!

[skyisthelimit]

I hope it was a SP for at least the increase, if the card is denied I will be reconing and asking for the 5k limit on it and put the other card at 2.5k (makes since in my mind, same credit line; just on 2 seperate cards).  Well will know by Thursday at the latest *watche's the clock tick by*.

[skyisthelimit]

So got a txt message this morning saying "approved" for the flagship. 

[journey258]

Awesome!

[pizzadude]

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skyisthelimit wrote:

So got a txt message this morning saying "approved" for the flagship. 

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Congrats !  Definately let us know once you find out how many HPs they did.....

[skyisthelimit]

Well it has been over a month and CLI alongwith the new card are reporting.  There is no HP showing up on my credit report!  This makes me app'ing for cards in Jan that better of a chance to be approved!!!

[webhopper]

Wow awesome!