Credit Card Center Advertiser Disclosure†
10-05-2012 01:33 PM
how do you determine what line of credit you actually want for the NFCU LOC. I've been staring at the screen for about 20 minutes...like ummmm 500 or 5000???
10-05-2012 01:41 PM
When I applied for mine I did not want to go for the full 15K because I thught I might feel like I was being greedy. I went for 10K instead. Just got off the phone with them and was approved. I have read that they will counter though if theey do not want to give you what your asking for.
10-05-2012 02:12 PM
I went for the full 20k with PSECU and was accepted. It's a shared CL between a LOC and a Visa. I figured if they didn't want to give that high, they would counter.
10-05-2012 02:19 PM
oh wow thank you so much! I went for 2000. Comfortable for me, low enough to pay off in a month if I have too and extra cushion for sure. Maybe they will give me higher than I ask for huh??
10-05-2012 03:13 PM
With PSECU, just because you request it, does not mean you actually have to use it or all of it. I just went the full 20k to keep utilization down.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.