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Regular Contributor
Sweets8E
Posts: 245
Registered: ‎03-07-2009

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: 696 TU / 693 EQ 06/01/2013 / 674 EX 06/14/2013
Goal Score: 700 across all three


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Established Contributor
LesWH
Posts: 603
Registered: ‎10-11-2012

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






Regular Contributor
Sweets8E
Posts: 245
Registered: ‎03-07-2009

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: 696 TU / 693 EQ 06/01/2013 / 674 EX 06/14/2013
Goal Score: 700 across all three


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Established Contributor
LesWH
Posts: 603
Registered: ‎10-11-2012

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: 6,333
Registered: ‎01-28-2010

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
Regular Contributor
Sweets8E
Posts: 245
Registered: ‎03-07-2009

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: 696 TU / 693 EQ 06/01/2013 / 674 EX 06/14/2013
Goal Score: 700 across all three


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Valued Contributor
Rhaeny
Posts: 1,175
Registered: ‎07-24-2011

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?


Starting Scores: EX 722 (USAA), TU 637 (Walmart), EQ 706 (myFico)
Current Scores: EX 719 (Lender pull), TU 670 (Walmart), EQ 705 (DCU)
Goal Scores: 750 across the board
Emergency gardening mode~~Last app: 6/7/2013
Frequent Contributor
Scupra
Posts: 286
Registered: ‎07-12-2012

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
FICO EQ 06/2013: 649 EQ
FICO TU 06/2013: 642 TU
FAKO Experian.com 05/2012: 650 EX
Cards: $500 NFCU secured - $7k NFCU cashRewards - $2k Cap1 Plat
Regular Contributor
Sweets8E
Posts: 245
Registered: ‎03-07-2009

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: 696 TU / 693 EQ 06/01/2013 / 674 EX 06/14/2013
Goal Score: 700 across all three


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Regular Contributor
Sweets8E
Posts: 245
Registered: ‎03-07-2009

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: 696 TU / 693 EQ 06/01/2013 / 674 EX 06/14/2013
Goal Score: 700 across all three


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