How often should I ask for a Credit Limit Increase from NFCU?
Are they known to give increases automatically?
They were generous with my inital limits. Are they known to grow as well?
In increments of 6 months they will evaluate you for an Auto-CLI. I got mine at 6,12,24, and 30 months, I believe. Never asked. 14->15.4->17.8->19.8->23.8 or something like that.
I called NFCU about 2 weeks ago and asked them that specific question and they replied that it is best to wait at least 6 months from either last increase or from opening of the account. I know that it is possible to get an increase before that cause I have done it as well as read of others doing it - but 6 months seems to be the preferred waiting time...
Ive never known them to do auto CLI.. i had a Cash back card with them for 2-2.5 years and was stuck at 1000, never asked though. be aware it is a hard pull
They strongly recommended to me 6 mos. before asking, tho some here have gotten CLIs earlier. I waited my 6 mos before asking for cli. They can auto CLI, but not until at least a year. They won't auto CLI you at 6 mos -at least according to them.
thats good to know, i dont plan on asking for CLI from them anytime soon as im trying to focus on gardening my lower limit cards but id like to see if i can get an auto increase with a soft.