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Frequent Contributor
Sweets8E
Posts: 262
Registered: ‎03-07-2009
0

NFCU - Kind of Nervous...

I recently took advantage of the 0% balance transfer offer with NFCU cards. My credit limit was recently raised to $7k during a request for an increase which was an automatic approval. After seeing it post and considering my utilization, I hit the CLI button again in an effort to be as far away from my credit limit as possible. I went from $7k to $10k. It also was an automatic approval. I keep logging back in to see if they changed their mind, but so far so good. Just nervous about having hitting that love button again.

 

Think I should call and explain, or just let it be? They did auto approve it after all, but I don't want to suffer any AA.


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


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Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012
0

Re: NFCU - Kind of Nervous...

NFCU is the best!


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Frequent Contributor
Sweets8E
Posts: 262
Registered: ‎03-07-2009
0

Re: NFCU - Kind of Nervous...

They are, but I don't want to tick them off.


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


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Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012
0

Re: NFCU - Kind of Nervous...


Sweets8E wrote:

They are, but I don't want to tick them off.


I think the only way you can tick NFCU off is not to pay your bill!  Other than that, you are good! :womanhappy:


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Moderator
pizzadude
Posts: 9,674
Registered: ‎01-28-2010
0

Re: NFCU - Kind of Nervous...


LesWH wrote:

Sweets8E wrote:

They are, but I don't want to tick them off.


I think the only way you can tick NFCU off is not to pay your bill!  Other than that, you are good! :womanhappy:


+1.   You'll be fine, nothing to worry about.

 

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Frequent Contributor
Sweets8E
Posts: 262
Registered: ‎03-07-2009
0

Re: NFCU - Kind of Nervous...

Thanks. I'll keep watch and let you guys know if anything changes. On the other hand, I have my first $10k credit limit. That's pretty exciting.


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
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: NFCU - Kind of Nervous...


Sweets8E wrote:

Thanks. I'll keep watch and let you guys know if anything changes. On the other hand, I have my first $10k credit limit. That's pretty exciting.


How long have you had the card?


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Valued Contributor
Scupra
Posts: 1,550
Registered: ‎07-12-2012
0

Re: NFCU - Kind of Nervous...

Congrats on the two increases! Love to see things like this about NFCU!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
693 EQ FICO 10/2014
680 TU FICO 09/2014
682 EX FICO 09/2014
$14k NFCU Flagship Sig - $14k NFCU cashRewards Sig - $15k NavChek - $6k Barclay Arrival + - $5k Cap1 Quicksilver - $2.2k Amazon Store
Frequent Contributor
Sweets8E
Posts: 262
Registered: ‎03-07-2009
0

Re: NFCU - Kind of Nervous...


Rhaeny wrote:

Sweets8E wrote:

Thanks. I'll keep watch and let you guys know if anything changes. On the other hand, I have my first $10k credit limit. That's pretty exciting.


How long have you had the card?


I've had this card since Feb of 2012. Got a CLI literally one week and 3 days ago, I've been a member of NFCU since May of 2001. My guess is they allowed it due to the balance transfer, but who knows?


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
Frequent Contributor
Sweets8E
Posts: 262
Registered: ‎03-07-2009
0

Re: NFCU - Kind of Nervous...


Scupra wrote:

Congrats on the two increases! Love to see things like this about NFCU!


Thanks!


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

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