New Contributor
Posts: 101
Registered: ‎10-10-2007

Credit Limit Increase- denied - questions?

Hello all!


I requested a CLI for my NFCU CC.  It was denied due to insufficient income to request the increase in the credit card.  I actually don't question their denial-- my credit is fine, but my DTI is not so great.  I actually just wanted the increase so that I could transfer a balance- otherwise I had no business requesting the increase.


BUT- my question is about the questions they asked when I made the request-

It asked for the Primary Cardholders income- so I just used my income and not DH's.

Then, was the question about Monthy Housing Payment- I gave our total mortgage, and I'm wondering if I should have done that.  Should I have included insurance and etc, which is included in our mortgage and should I have divided in half, since DH also provides income for rent?



Regular Contributor
Posts: 192
Registered: ‎12-06-2008

Re: Credit Limit Increase- denied - questions?

If just my income is in question and they ask about monthly housing costs, I don't tell them the full amount, I tell them the amount I am actually paying, currently it's about 50% of the total bill, and I don't include insurance or anything like that.


That may not have affected their decision but you never know, but I've done the same thing in the past, live and learn :smileyhappy:

Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007

Re: Credit Limit Increase- denied - questions?

I just ask whenever they head down that road. Do they want solely my financial info, both income and expenses, or the household figures? You'd think that they'd want consistent info.

Same thing about "housing payment" --is that PITI or just principal and interest?
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.