06-09-2012 10:39 PM
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).
06-10-2012 10:21 PM
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*.
06-12-2012 07:38 PM
06-12-2012 07:45 PM - edited 06-12-2012 07:45 PM
So got a txt message this morning saying "approved" for the flagship.
Congrats ! Definately let us know once you find out how many HPs they did.....
07-12-2012 08:06 PM
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!!!
07-12-2012 08:11 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.