Credit Card Center Advertiser Disclosure†
07-22-2009 01:26 PM - edited 07-22-2009 01:26 PM
Just wanted to let everyone know that I requested and was granted a CLI of 10k to bring my total limit to 30k. Scores below. There was an EQ INQ to go along with it. That makes my 6th on EQ less on the others. One drops off in august.
I was about 48% util on that card (only card with a balance) Paying it down at about 1k/mo and/or every spare cent I can get my hands on but I wanted to improve my overall score by reducing util. and growing that account.
Thanks for listening
07-22-2009 06:57 PM
How long have you had the account?
07-23-2009 06:17 AM
07-23-2009 06:31 AM
From reading other posts, I have seen many people with modest incomes have large CL's based upon FICO/credit and history with NFCU moreso than income. It seems that if you can prove responsible use and ability to manage, NFCU gives you much more freedom on CL's than most.
I hope that the general population of NFCU respects and honors this, I'd hate to see this ruined down the road because of increasing default rates, etc.
07-23-2009 06:53 AM
Yeah treat them right so they treat us right.
I'm sitting at low six figures right now.
I'm not sure what the relationship is between CL's and income because I feel like a CL of 30% of my income is insignificant..
Also Citi gave me a CL of 2k.. I called them and requested recon because 2k is worthless can't even balance xfer to that.. they claimed that my household income wasn't sufficient to justify the 5k I requested.. really? really? lol /boggle
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.