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@improvingmycredit wrote:
Hey Bigdaddy69!
I honestly don't know but I think you need perspective. What kind of CLs do you have now? Income isn't everything but it helps. I think NFCU is seeking to approve you but the option is absolutely yours to comply. 15K is a big big big leap from $500... Even for NFCU. Do you have limits like this with other lenders? If not- then you are asking them to be the first.
+1...and as to your confusion over the viability of asking for a laundry list of documentation to go from a $500 limit to $15,000, I agree 100%. That is a MASSIVE increase in credit. Heck, AMEX asks for your financial world when they conduct an FR. Barclay is ultra-sensitive about post-approval apps and accounts. Others soft you on a regular basis. How is this any different?
Credit is a different proposition post 2008. Either comply with a creditor's requests or lose out...the choice is each and every consumer's.
@Sitori wrote:
What the....
Umm well that makes me a little nervous to apply for membership now lol. My scores are around yours but my income is nowhere near it. I don't want to burn the HPs if I won't even get approved for a 1k card. Yikes
I'm not sure his case is normal. We also have similar scores I make half the money he makes, at the time of my app my largest CL was 2k and my AAoA was a year. I was instantly approved for a 25k card. It just depends.
Starting my rebuild!