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Community Leader
Valued Contributor
improvingmycredit
Posts: 1,384
Registered: ‎07-12-2011
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Question: NFCU auto increases past 25K?

Those of you NFCU gurus- I was instant approved for the 25K (opened 08/12)and I'm wondering if NFCU does auto CLIs past this amount or will have to request a CLI to go higher?
Also- just checked my EQ report and NFCU just did their SP AR on the 3rd of this month. Should I go for a higher limit and if so- will they use their most recent SP? I fully expect to get HP'd for all requested increases but I've read they will do SP increases after recent ARs. Does this hold true for 25K+ accounts too? Appreciate any feedback.

Starting Score: 642
Current Score: EQ 798, EX 780, TU 787 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, QuickSilver 20K, TotalRewards 18K

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Epic Contributor
Creditaddict
Posts: 20,048
Registered: ‎10-23-2007
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Re: Question: NFCU auto increases past 25K?

All info I know of shows all requests above $25k to be hp.
My partner sat at his instant approved $25k for over a year and took hp to go to 35, then split 5 off to open flagship..
Last week with the review talk I did cli and went 5 to 20 instantly on counter of 25 on flagship and cash card is still at 30 and not asking.

We just consolidated everything to navy with these 0%!
Fico Scores: EQ 673 DCU, TU 678 Wally, EX 669 Chase(08-31-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 45 Cards in between :smileytongue:
Epic Contributor
Creditaddict
Posts: 20,048
Registered: ‎10-23-2007
0

Re: Question: NFCU auto increases past 25K?

Based on scores and other cards I'd put in request for 80... They will max you out based on income with the 1 request!!!
Fico Scores: EQ 673 DCU, TU 678 Wally, EX 669 Chase(08-31-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 45 Cards in between :smileytongue:
Community Leader
Valued Contributor
improvingmycredit
Posts: 1,384
Registered: ‎07-12-2011
0

Re: Question: NFCU auto increases past 25K?


Creditaddict wrote:
Based on scores and other cards I'd put in request for 80... They will max you out based on income with the 1 request!!!

Thanks CA!  I don't want another HP right now... darn.. I was hoping that I might get a 35K+ CL out of this SP.  Thanks for the info. :smileyhappy:


Starting Score: 642
Current Score: EQ 798, EX 780, TU 787 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, QuickSilver 20K, TotalRewards 18K

Take the FICO Fitness Challenge

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