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NFCU - Kind of Nervous...

Frequent Contributor

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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23 REPLIES
Established Contributor

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

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

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! Woman Happy


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






Super Contributor

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! Woman Happy


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

 

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Frequent Contributor

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

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
Community Leader
Senior Contributor

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
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Frequent Contributor

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


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Frequent Contributor

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