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Regular Contributor
Posts: 176
Registered: ‎05-07-2013
0

Still no love from NFCU for Visa

Well, I decided after paying off my NFCU Visa and Navcheck (and putting a car maintenance and vet bill on it) to see if they would show me love. I was at around 14 percent ute.

 

Still got 3-5 day notice. Sent a message asking to cancel it because I did not want a HP. They responded within the hour cancelling it.

 

Bummer....still no love on my Visa. THen again, EQ is my worst one and I will have to sue them (and BoA) in order to get the incorrect stuff off my report.

Starting FICO, June 2010: EX-581, EQ-581, TU-581
Now: EX-742 EQ-611 (??) TU-720

Currently: NFCU Platinum Visa 18K, BECU Visa 15K, Navchek 15K, Vystar+ CU Platinum Visa 10000, AMEX Delta SkyMiles 9K, Military Star 8200, Nordstrom 6000, Apple/Barclaycard 3030, Talbots 3000, Macys 2600, Pier 1 2250, Ann Taylor 2280,TJX Mastercard 1800, Lowes 1500, Amazon 1400, Victorias Secret 750, NY&CO 500, J.Crew 300



Super Contributor
Posts: 8,290
Registered: ‎07-17-2013
0

Re: Still no love from NFCU for Visa

Mmmmmmmm, there's had to be more to the picture here! What's your current limit, is that 14% over all your cards or just navy? How long have you had the card?
(BK7-08/2013/FICO-400's)---> 06/20/16- EQ-669 TU-670 EX-681

PF & Alliant on my list in 2017
Avail credit- $239k
Regular Contributor
Posts: 176
Registered: ‎05-07-2013
0

Re: Still no love from NFCU for Visa

14 percent NFCU, 19-20 percent total ute.

 

10K limit, account has been open and in good standing since 1994. So almost 20 years old.

Starting FICO, June 2010: EX-581, EQ-581, TU-581
Now: EX-742 EQ-611 (??) TU-720

Currently: NFCU Platinum Visa 18K, BECU Visa 15K, Navchek 15K, Vystar+ CU Platinum Visa 10000, AMEX Delta SkyMiles 9K, Military Star 8200, Nordstrom 6000, Apple/Barclaycard 3030, Talbots 3000, Macys 2600, Pier 1 2250, Ann Taylor 2280,TJX Mastercard 1800, Lowes 1500, Amazon 1400, Victorias Secret 750, NY&CO 500, J.Crew 300



Super Contributor
Posts: 8,290
Registered: ‎07-17-2013
0

Re: Still no love from NFCU for Visa

Mmmm, what did the denial letter say?? I need Creditaddict to chime in on this one
(BK7-08/2013/FICO-400's)---> 06/20/16- EQ-669 TU-670 EX-681

PF & Alliant on my list in 2017
Avail credit- $239k
Epic Contributor
Posts: 28,563
Registered: ‎10-23-2007
0

Re: Still no love from NFCU for Visa

When is the last time you let them do the HP and it was denied? it sounds like you are only not getting an instant sp CLI but nothing says you couldn't get increase if you let them hp

I may have left the garden 06/20/2016 Smiley Tongue
Partner Joined Garden 04/11/2016
Super Contributor
Posts: 8,290
Registered: ‎07-17-2013
0

Re: Still no love from NFCU for Visa

Also, what's your income?? You could very well be at their internal limit for you income and credit score!
(BK7-08/2013/FICO-400's)---> 06/20/16- EQ-669 TU-670 EX-681

PF & Alliant on my list in 2017
Avail credit- $239k
Regular Contributor
Posts: 176
Registered: ‎05-07-2013
0

Re: Still no love from NFCU for Visa

I think I tried in September. Then they turned around and gave me a 15K Navcheck. They blamed my overall ute which was higher than 50 percent. Since been lowered to 19 across the board. I am trying to get rid of hard pulls for the time being. My freebies are awful but seem to count 9 car loan shopping as 9 inquiries. Have not had a bank pull in a long while.

 

Income is 93K. Somehow I doubt this is the issue.

Starting FICO, June 2010: EX-581, EQ-581, TU-581
Now: EX-742 EQ-611 (??) TU-720

Currently: NFCU Platinum Visa 18K, BECU Visa 15K, Navchek 15K, Vystar+ CU Platinum Visa 10000, AMEX Delta SkyMiles 9K, Military Star 8200, Nordstrom 6000, Apple/Barclaycard 3030, Talbots 3000, Macys 2600, Pier 1 2250, Ann Taylor 2280,TJX Mastercard 1800, Lowes 1500, Amazon 1400, Victorias Secret 750, NY&CO 500, J.Crew 300



Epic Contributor
Posts: 28,563
Registered: ‎10-23-2007
0

Re: Still no love from NFCU for Visa


silverzgirl wrote:

I think I tried in September. Then they turned around and gave me a 15K Navcheck. They blamed my overall ute which was higher than 50 percent. Since been lowered to 19 across the board. I am trying to get rid of hard pulls for the time being. My freebies are awful but seem to count 9 car loan shopping as 9 inquiries. Have not had a bank pull in a long while.

 

Income is 93K. Somehow I doubt this is the issue.


Sounds like you just need to let them do the HP.

I may have left the garden 06/20/2016 Smiley Tongue
Partner Joined Garden 04/11/2016
Established Member
Posts: 38
Registered: ‎06-28-2013
0

Re: Still no love from NFCU for Visa

What kind of "love" are you expecting?

 

NFCU alredy extended you 25k in credit, and you are expecting.......?

 

Be responsible, and the limit will grow with you.

 

 

Epic Contributor
Posts: 28,563
Registered: ‎10-23-2007
0

Re: Still no love from NFCU for Visa


Stage24u wrote:

What kind of "love" are you expecting?

 

NFCU alredy extended you 25k in credit, and you are expecting.......?

 

Be responsible, and the limit will grow with you.

 

 


Well OP canceled the request when given 3-5 day message on CLI request... that doesn't mean Navy won't give more credit, they just don't want to take the HP for it.

I may have left the garden 06/20/2016 Smiley Tongue
Partner Joined Garden 04/11/2016

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