I know it but to get a decent limit on the card I'll take that chance. NFCU is usually pretty generous but you have to be able to deal with HPs and if you treat them bad they NEVER forget.
I agree, it is worth it 
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
My husband got a cli from 2500 to 4k before receiving the card in the mail. Cost him a HP but really it was worth it considering he has No HPs on his report now except for the 2 from nfcu on his EQ report.
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
@webhopper I haven't received it yet either, it can take 2 weeks for mail to get out here on average. But like I said, I think it's worth the risk.
Okay, end result is instead of 1k limit I have 1.5k. Still a toy limit but I've only been rebuilding for 1.5 years. Time to take a step back and consider what to do next. Use both my cards of course but maybe get a 3rd, even a secured card if I have to. I won't know for sure why until I get the letters but I'm thinking history with the CU anbd only 1.5 years history. Unless you pull EX then I have an old autoloan that's still on htere gives me an AoAA of about 8 years but that's the only one it shows up on. I'm going to look at whogavemecredit.com and find out who pulls EX exclusively but I think I'll just chill for a bit and do some gardening on my 2 toy limit cards. I have a longer history with USAA and an account with SafeAmerica that I have my VA check going to. I never closed it because I never changedwhere that check goes. Any ideas?
Did they say what the reason for the low limit was?
No, I haven't gotten the letters yet, it takes a couple of weeks for mail to get here. I'm really curious about that.
@Cageym wrote:Okay, end result is instead of 1k limit I have 1.5k. Still a toy limit but I've only been rebuilding for 1.5 years. Time to take a step back and consider what to do next. Use both my cards of course but maybe get a 3rd, even a secured card if I have to. I won't know for sure why until I get the letters but I'm thinking history with the CU anbd only 1.5 years history. Unless you pull EX then I have an old autoloan that's still on htere gives me an AoAA of about 8 years but that's the only one it shows up on. I'm going to look at whogavemecredit.com and find out who pulls EX exclusively but I think I'll just chill for a bit and do some gardening on my 2 toy limit cards. I have a longer history with USAA and an account with SafeAmerica that I have my VA check going to. I never closed it because I never changedwhere that check goes. Any ideas?
I realize that you've said you're in rebuilding mode and maybe I missed it in a previous post - but if you have a longer history with USAA, have you considered their cards? You've got a solid EQ score - which is what they've been known to pull generally. They are more conservative, but depending on your history and membership - you may have another opportunity there. However, if you decide to stay put for a while, I'm sure that your NFCU card will be eligible for more of a generous CLI after a good 3 - 6 months. (Albeit per your request and another HP 
)
For some reason I can't get beyond a toy limit. I'm not sure why yet, but the only thing that makes sense right now is the 1.5 years. I actually talked to USAA today about a credit line on my paid for house, so I could use it if I wanted and if not I don't pay anything. My scores are good but something about my CR they just don't like. I'm not sure what yet. When I get the letters I'll know more.