Credit Card Center Advertiser Disclosure

Frequent Contributor
Posts: 474
Registered: ‎04-09-2012
0 Kudos

Re: Kinda depressed about NFCU

You are asking for more than double what they gave you to start and you have only had your card for three months.  Give it some time and perhaps ask for a lower amount next time. 

Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - Chase Saphire Preferred $5000 - Discover It $6000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
Valued Contributor
Posts: 1,057
Registered: ‎09-29-2009
0 Kudos

Re: Kinda depressed about NFCU

+1 to the posters above. NFCU is an amazing CU to have a relationship with. I started on the lower end with them when my credit scores were lower 600's. In about three years time I have managed to improve my relationship with them to 20K+ credit card, 15K NAVCHECK and just refinanced my mortgage to them last month. The credit card was all auto CLI's. If you do well with them you will probably see one around the 6 month mark and again at a year. They seem to have steps they take you up in but I would not be surprised to see you at 5 figures CL after a year.

Best financial advice I ever got: "Just imagine what an adult would do and do that."

Starting Score: 500's
Current Score: EQ 701 (FICO) TU 721 (FICO) EX 715 (Quizzle)
Goal Score: 760 ALL

Take the FICO Fitness Challenge

Frequent Contributor
Posts: 262
Registered: ‎03-07-2009
0 Kudos

Re: Kinda depressed about NFCU

I think the fact that a CLI was achieved at the three month mark says much. Just give them some time to get used to your spending patterns and see that you can use what they give you responsibly. Next thing you'll know, you'll be posting about exorbitent increases like everyone else and suddenly the coveted 5 digit limits won't be so impressive anymore. The LUV button will just be a Saturday/Sunday/Any day thing to press and then they'll catch on and we'll all be shunned from getting increases like normal folks who wait do. NFCU will take care of you if you take care of them. Just give it some time. All jokes really...I truly believe that with NFCU being as big a lender as they are, the increases they've been handing out are ones they are comfortable with giving per person.


I really think that magic number is already predefined based on their reviews of your account.

Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013
Goal Score: 700 across all three

Take the FICO Fitness Challenge

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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of 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. These ranges were not provided by any card issuer.

* 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.

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.