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NFCU Platinum Visa

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Uncle_Money
Established Contributor

NFCU Platinum Visa

Hey Guys,

 

I currently have this card with NFCU with a $25,000 CL. I just asked for an increase of $25K for a total CL of $50K. This is their max on their Visa card.

 

Do they hard pull for this type of request? Also, will I have to resubmit docs?

 

UM

Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500

Message 1 of 3
2 REPLIES 2
ChesterPDexter
Established Contributor

Re: NFCU Platinum Visa

Wow - you sure do have some nerve, Uncle Money!

 

um... I mean - Good luck with your request! Smiley Happy

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Too many accounts; too many debts; lots of open credit, and lots of utilized credit. Scores somewhere in the 600s - I have no earthly idea exactly what number, but not 700 like it was, briefly.
Message 2 of 3
Red1Blue
Super Contributor

Re: NFCU Platinum Visa

Two things to consider. If remember right, if you have a card with $50k cl then it would not be counted toward the fico score calculation. I defer that to fico experts, but I beleive there is a limit and beyond credit limit it is not included in your fico calculations. From what I have seen nfcu seems to pretty accommodative in cli's. Most likely they will do a hard, but not sure about docs.

Message 3 of 3
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