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Hard Pull for Navy Federal Credit Limit Increase?

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Valued Contributor

Re: Hard Pull for Navy Federal Credit Limit Increase?

Lolololol Rhaeny!


Congrats! !!

Scores: about 700 across the board
Total CL: $275k
Established Contributor

Re: Hard Pull for Navy Federal Credit Limit Increase?


Rhaeny wrote:

Okay I'm done! I just went in and upped it to $20K.  I can't read anymore of these types of threads.  I must be done now...LOL!!!

 

But at least I get to stay in the garden!


Add the NFCU giving tree in your garden!


2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700

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Valued Contributor

Re: Hard Pull for Navy Federal Credit Limit Increase?


CashOnDelivery wrote:

Based what I've been reading lately, the earliest age of account was 4 months for CLI. I'm not sure if anybody has had sucess fewer than 4 months.


You might be on to something there.  Before the 4 months were up I got an HP, but after that it was all SP's.  Not sure if that is just coincidence or what but in the absence of a confirmed answer, I tend to agree with you said.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Mega Contributor

Re: Hard Pull for Navy Federal Credit Limit Increase?


jmc912 wrote:

Okay just pulled the trigger again... I tried for 20 but they countered for 17 instant... I'm cool with that!! Another 10k in credit in an hour...

 

I love NFCU!!! 


CONGRATS!!!

 

Good lawd!!! Ya'll got the newcomers blowing up the luv button now!!Smiley Very Happy




EQ FICO 548 3/3/16
New Member

Re: Hard Pull for Navy Federal Credit Limit Increase?

I have been reading this forum about how navy federal will increase your credit limit.  So I decided to try myself.  I started with $1,000 credit limit for nRewards visa.  So this is how it went over maybe 10 days.  The increase was $3,000, $5,000, $7,000, $10,000.  I just applied for an increase of $15,000 and recieved the 3-5 day letter response.  I am assuming that $10,000 is my limit for now.  I could not believe it everytime it went up.  I read so many post here and found the courage to apply.  Now if I see any of my credit cards with the CL I am tempted to apply but I have not so far it has just been Navy.  Oh how can I forget when my CL reached $7,000 I decided to apply for a personal loan for $5,000 and got that too.  So if you are thinking about increasing your credit with navy or apply for a loan then give them a try.


Starting Score: 583
Current Score: 636
Goal Score: 700


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Epic Contributor

Re: Hard Pull for Navy Federal Credit Limit Increase?

Congrats but more reason to always just ask for $25k on navy cli and the system will counter your at the time max so you don't go back 4 times and then end up with a hp.
Frequent Contributor

Re: Hard Pull for Navy Federal Credit Limit Increase?

So if you hit the button and get a 3-5 message or whatever, is that a HP?

 

Also, is it better to wait at least 3 - 4 months or ya think I can get something now, it's been 2 Smiley Very Happy

 

 

 

New Member

Re: Hard Pull for Navy Federal Credit Limit Increase?

Thanks for the tip!  I have been getting all my information from this forum!


Starting Score: 583
Current Score: 636
Goal Score: 700


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Valued Contributor

Re: Hard Pull for Navy Federal Credit Limit Increase?


Eyisila wrote:

So if you hit the button and get a 3-5 message or whatever, is that a HP?

 

Also, is it better to wait at least 3 - 4 months or ya think I can get something now, it's been 2 Smiley Very Happy

 

 

 


Yea a 3-5 day message is an HP, but you're bound to get one anyway.

 

I've read that some people have gotten them in a much shorter period than 3 or 4 months.  For me I was waiting for my utilization to go down and an old baddie to drop off.  So 4 months it was for me.

 

So just remember this in regards to an SP, go for $25K on your first try and they will either counter you or give you the $25K.  Either way you stop right there because that is all that you will get without an HP.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
New Visitor

Re: Hard Pull for Navy Federal Credit Limit Increase?

I was reading some post and decided to increase my limit to $5k and I was approved. I got the itch to do it again and they wanted me to call. Should I have waited an hour or couple days?