Reply
Contributor
Posts: 205
Registered: ‎06-10-2013
0

NFCU CC MAX LIMITS

So I know there is a thread on here about maximum limits being different for everyone depending on their income, but I'm a little confused.

 

So as you can see from my sig, I have two cards, one for 23k and the other for 22k, plus the navcheck for 15k. That's 60k even. I make 109,870. The last CLI I tried for was denied for, 'insufficient income'. $109,870 certainly is not insufficient, but are they trying to tell me that's my ceiling? What do you think I'd have to make for get my limits to 25k on both cards?

Established Member
Posts: 29
Registered: ‎01-06-2010
0

Re: NFCU CC MAX LIMITS

Well i dont see why they wouldnt increase you. I have three cards with NFCU all at 25,000 cl. and a 10,000 navchek. My income is 60,000+. I am not sure what their criteria is.

Contributor
Posts: 205
Registered: ‎06-10-2013
0

Re: NFCU CC MAX LIMITS

See, that's weird.. Navy Federal is very inconsistent in my opinion.. not that I don't love them of course! :smileyhappy:

New Contributor
Posts: 351
Registered: ‎06-02-2013
0

Re: NFCU CC MAX LIMITS

I'm sure that income isn't the only consideration. They probably look to see how much you use the card, do you carry a balance and a SP pull as well.

If women didn't exist, all the money in the world would have no meaning. -- Aristotle
Starting Score: 777
Current Score:  761
Goal Score:      800
Contributor
Posts: 205
Registered: ‎06-10-2013
0

Re: NFCU CC MAX LIMITS

I carry around $4-5k a month on it.. charging anywhere between $1,000-$2,000 a month. I typicaly pay off what I spend on it a month, but last month alone I made almost $3,000 in payments... My fico is 689...

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 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.