Reply
Regular Contributor
silverzgirl
Posts: 165
Registered: ‎05-07-2013

NFCU still hates me...

NFCU Platinum is almost 20 years old. Went from 5K to 10K back in 2005 and zip since.

 

Was shot down back in May for too much utilization. It was high but I see people with worse getting mega CLs. In the last few months, I paid my ute down 20 percent, with many cards PIF or with maybe 5 percent ute (new purchases.)

 

So I decided to pull the trigger again for 20K (I make 95K a year.) No dice. 3-5 day notice. Not even a counter offer.

 

I may have to think about ditching them and just making this a sockdrawer card. :smileysad:

Starting FICO, June 2010: EX-581, EQ-581, TU-581
Now: EX-742(Quizzle) EQ-656 (MyFICO), TU-720 (Bank)

Currently: BECU Visa 12K, Navchek 15K, NFCU Platinum Visa 11K, AMEX Delta SkyMiles 9K, Vystar CU Platinum Visa 7500, Military Star 8200, Nordstrom 6000, Talbots 3000, Ann Taylor 2280, Apple/Barclay 2000, Pier 1 1500, Macys 1300, Victorias Secret 750, NY&CO 500, J.Crew 300



Valued Contributor
takeshi74
Posts: 2,329
Registered: ‎06-05-2013

Re: NFCU still hates me...

[ Edited ]

So what's your current reported utilization?  Down 20% is good but depending on where you started you may still have a ways to go.  NFCU isn't the only lender that doesn't look favorably on high utilization.  They don't hate you.  They see you as too much of a risk with your current utilization.

Established Contributor
Smug
Posts: 961
Registered: ‎12-21-2010

Re: NFCU still hates me...

They just gave me 20k and I make 30k a year but under 1% util.
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Regular Contributor
sweettea
Posts: 351
Registered: ‎07-13-2013

Re: NFCU still hates me...

[ Edited ]

I have to second the question of what is your actual utilization currently?

 

How often do you use the NFCU card? Have you ever PIF on the NFCU card?

 

We make very similar in income, so if you are never PIF on the card, Navy may think you are spreading your income too thin across your cards (evidenced by having high UTL) to warrant an increase.

 

ETA - I see you tried the CLI online. Have you called in to see if an actual reviewer can look at your account? NFCU is great, but they are not infallible either.


Past - CH7 BK Discharged 01/09 | Rebuild Started 05/12
Present - #GardenStrong Until 10/14
Future - Late 2014 All IIBs Drop | 2015 Mortgage
Regular Contributor
silverzgirl
Posts: 165
Registered: ‎05-07-2013

Re: NFCU still hates me...

On the NFCU thread there are people whose card is at 90 percent who still see CLIs.

 

My total is around 49 percent. High, but not the worst in the world. Have I PIFed? Yes, though not recently. I also have one of my smaller monthly bills autopaid with it, so it does get used. It has been used at my vet last month for a larger bill, which will be paid next payday. I never send minimum payments (this month it is zero.)

 

I usually don't call until I see whether it is a go or no go. They usually want to pull again and that is a "pound sand" in my book. You already have a HP in front of you.

Starting FICO, June 2010: EX-581, EQ-581, TU-581
Now: EX-742(Quizzle) EQ-656 (MyFICO), TU-720 (Bank)

Currently: BECU Visa 12K, Navchek 15K, NFCU Platinum Visa 11K, AMEX Delta SkyMiles 9K, Vystar CU Platinum Visa 7500, Military Star 8200, Nordstrom 6000, Talbots 3000, Ann Taylor 2280, Apple/Barclay 2000, Pier 1 1500, Macys 1300, Victorias Secret 750, NY&CO 500, J.Crew 300



Regular Contributor
sweettea
Posts: 351
Registered: ‎07-13-2013

Re: NFCU still hates me...


silverzgirl wrote:

On the NFCU thread there are people whose card is at 90 percent who still see CLIs.

 

My total is around 49 percent. High, but not the worst in the world. Have I PIFed? Yes, though not recently. I also have one of my smaller monthly bills autopaid with it, so it does get used. It has been used at my vet last month for a larger bill, which will be paid next payday. I never send minimum payments (this month it is zero.)

 

I usually don't call until I see whether it is a go or no go. They usually want to pull again and that is a "pound sand" in my book. You already have a HP in front of you.


Very odd, but Navy is HP happy.

 

I don't know. If you got the 3-5 message and you didn't call in to cancel it, then the HP will show up regardless. I would call in and fight, but that's just me (after the bad influence of the myfico community). I have no problem speaking with their reps.

 

May next time initiate the CLI over the phone so it can be just the one HP?

 

But it's certainly your decision either way. I feel bad that another NFCUer isn't "feeling the love".


Past - CH7 BK Discharged 01/09 | Rebuild Started 05/12
Present - #GardenStrong Until 10/14
Future - Late 2014 All IIBs Drop | 2015 Mortgage
Valued Contributor
madmann26
Posts: 1,402
Registered: ‎08-30-2012

Re: NFCU still hates me...

I'll ask,

 

Have you pulled your CR's to see what is on them to make sure some zombie/bad debt didn't get thrown in? Outside of that, I don't know what to tell you. NFCU is an awesome lender IMO and well, alot of others opinions as well.

 

If it's soley utilization, pay it down and see what happens. But there is something on your CR (EQ probably) that they don't like.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $1.5k; NFCU Cash Rewards $22K; AMEX BCE $6k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Mega Contributor
Creditaddict
Posts: 18,945
Registered: ‎10-23-2007

Re: NFCU still hates me...

Also keep in mind many of the people that reported cli on highly util. cards had very small CL's and after CLI still had smaller credit lines than you... it's different to be maxed out on $2k then it is $10k.

Have you checked status yet, what did they say?

maybe you could try applying for a secon card!

maybe open up a navcheck for $15k to to help with util.

Fico Scores: EQ 657 Cabelas, TU 653 Barclay, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Express $300
Over 30 Cards in between :smileytongue:
Regular Contributor
silverzgirl
Posts: 165
Registered: ‎05-07-2013

Re: NFCU still hates me...

EQ is showing two old COs with recent 30 day lates and full balances after 1099Cs were issued. Others have deleted them. Apparently that multimillion dollar booboo has not affected their reporting skill one bit.

 

Status still pending. I did not have a checking account but I do now, and have to wait to apply for navCheck

Starting FICO, June 2010: EX-581, EQ-581, TU-581
Now: EX-742(Quizzle) EQ-656 (MyFICO), TU-720 (Bank)

Currently: BECU Visa 12K, Navchek 15K, NFCU Platinum Visa 11K, AMEX Delta SkyMiles 9K, Vystar CU Platinum Visa 7500, Military Star 8200, Nordstrom 6000, Talbots 3000, Ann Taylor 2280, Apple/Barclay 2000, Pier 1 1500, Macys 1300, Victorias Secret 750, NY&CO 500, J.Crew 300




myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+