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Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: NFCU - Kind of Nervous...

Congrats on the increase. I wouldn't give it any more thought. Enjoy your new limit.

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

Re: NFCU - Kind of Nervous...


Credit314 wrote:

Congrats on the increase. I wouldn't give it any more thought. Enjoy your new limit.


*Smiles*, I will . I'll just crawl under a rock for the next few months while pushing payments toward NFCU. Oh happy day!!!!


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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Valued Member
missfontella
Posts: 33
Registered: ‎12-15-2011

Re: NFCU - Kind of Nervous...


Sweets8E wrote:

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.


I don't know you BUT I COULD KISS YOU for posting this. I got a CLI a week ago from 1k to 3k. After I read your post, I thought "what the heck" and hit the luv button again. Got auto approved for 8k! Time for some BT action. 

 

God bless you  ((((hugs)))))

Starting Scores: TU - 577, EQ - 636, pulled on 01/10/12
Current Scores: TU - 679 (02/21/13) EQ - 663 (02/23/13)
Goal Score: Mid-score of 680 by June 2013
Frequent Contributor
Sweets8E
Posts: 262
Registered: ‎03-07-2009

Re: NFCU - Kind of Nervous...


missfontella wrote:

Sweets8E wrote:

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.


I don't know you BUT I COULD KISS YOU for posting this. I got a CLI a week ago from 1k to 3k. After I read your post, I thought "what the heck" and hit the luv button again. Got auto approved for 8k! Time for some BT action. 

 

God bless you  ((((hugs)))))


LOL awe!!!! It's nice to know I'm not by myself. NFCU is the best. Let's lay low now and just be grateful. I'm thrilled for your success.


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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Valued Member
missfontella
Posts: 33
Registered: ‎12-15-2011

Re: NFCU - Kind of Nervous...

Sounds like a plan. Okay, one more. Yaaaayyyy! Ok...I'm done

Starting Scores: TU - 577, EQ - 636, pulled on 01/10/12
Current Scores: TU - 679 (02/21/13) EQ - 663 (02/23/13)
Goal Score: Mid-score of 680 by June 2013
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: NFCU - Kind of Nervous...

Congrats on the ClI! No need to call in my opinion... they must have already pre approved you for the increase based on payment history and income. My husband went from 2.5k to 12k in 6 months. Via cli requests which were automatic approval.. no adverse effects so far.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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

Re: NFCU - Kind of Nervous...


webhopper wrote:
Congrats on the ClI! No need to call in my opinion... they must have already pre approved you for the increase based on payment history and income. My husband went from 2.5k to 12k in 6 months. Via cli requests which were automatic approval.. no adverse effects so far.

Sweet! I'm finally calming down now. This is good news. Alright!!!!! Yeah!!!!!


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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Contributor
ricefed
Posts: 116
Registered: ‎02-17-2011

Re: NFCU - Kind of Nervous...

Are these hard pull increases?
NFCU cash rewards 10,000 -Chase Sapphire Preferred 6,900-Chase Slate 6,000- Amazon 10,000 - Walmart 10,000- lowes 12,000 - Kay jewelers 7,500 - Amex Zync NPSL - CarCare One 500
Frequent Contributor
Sweets8E
Posts: 262
Registered: ‎03-07-2009

Re: NFCU - Kind of Nervous...


ricefed wrote:
Are these hard pull increases?

So far nope.


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
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: NFCU - Kind of Nervous...

The automatic approval increases via the website were SP... as with anything; YMMV

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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