NFCU CLI Question

[kbrann72]

I was approved for my cash rewards Visa in April of 2013 with a limit of $20K, received an increase to $25K after 3 months with a SP. My question is should i try for another increase on the card or apply for a different card like the Flagship?

[leegreen]

I like having both the cashRewards and nRewards cards. Also it is a guaranteed HP when you attempt a CL greater than 25000. The flagship is only worth it if you will use the rewards for airfare and will spend more than 10000 a year on it, otherwise use your cashRewards. I find the member mall bonuses better through my nRewards so I use it online and use the cash in person.

[Creditaddict]

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@leegreen wrote:
I like having both the cashRewards and nRewards cards. Also it is a guaranteed HP when you attempt a CL greater than 25000. The flagship is only worth it if you will use the rewards for airfare and will spend more than 10000 a year on it, otherwise use your cashRewards. I find the member mall bonuses better through my nRewards so I use it online and use the cash in person.

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+1

The advantage to apply for a 2nd card is until you hit $25k you could potentially ask for CLI again that "may" be SP otherwise I would just hit the CLI on your current card and go for the full $50k... it will be manual review and if they don't have paychecks on file I would bet they will want 2 most recent... if you do the request and add the paystubs in the secure message you are 1 up and they seem to really like the "show before being asked" and will counter back in usually just a couple hours.

[kbrann72]

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@Creditaddict wrote:

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@leegreen wrote:
I like having both the cashRewards and nRewards cards. Also it is a guaranteed HP when you attempt a CL greater than 25000. The flagship is only worth it if you will use the rewards for airfare and will spend more than 10000 a year on it, otherwise use your cashRewards. I find the member mall bonuses better through my nRewards so I use it online and use the cash in person.

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+1

The advantage to apply for a 2nd card is until you hit $25k you could potentially ask for CLI again that "may" be SP otherwise I would just hit the CLI on your current card and go for the full $50k... it will be manual review and if they don't have paychecks on file I would bet they will want 2 most recent... if you do the request and add the paystubs in the secure message you are 1 up and they seem to really like the "show before being asked" and will counter back in usually just a couple hours.

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Thanks for the advice. I will send in my paystubs and go for the $50K and see what happens.

[leegreen]

Good luck! Let us know how it goes.