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

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(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



Established Contributor
pizza1
Posts: 921
Registered: ‎07-17-2013

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?
BK 7 D/C: 08/19/13~FICO-400's---> 06/2014-EQ 659,EX 630,TU 640
NFCU loc-$15k|NFCU visa-$10k|Barclays-$1.5k|Cap one $2k|Wmart-$750|JCP-$500|Jcrew-$4,250|Loft-$250|Gap-$200|76 gas-$300|Amazon store-$700
Regular Contributor
silverzgirl
Posts: 165
Registered: ‎05-07-2013

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(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



Established Contributor
pizza1
Posts: 921
Registered: ‎07-17-2013

Re: Still no love from NFCU for Visa

Mmmm, what did the denial letter say?? I need Creditaddict to chime in on this one
BK 7 D/C: 08/19/13~FICO-400's---> 06/2014-EQ 659,EX 630,TU 640
NFCU loc-$15k|NFCU visa-$10k|Barclays-$1.5k|Cap one $2k|Wmart-$750|JCP-$500|Jcrew-$4,250|Loft-$250|Gap-$200|76 gas-$300|Amazon store-$700
Mega Contributor
Creditaddict
Posts: 18,797
Registered: ‎10-23-2007

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

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Established Contributor
pizza1
Posts: 921
Registered: ‎07-17-2013

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!
BK 7 D/C: 08/19/13~FICO-400's---> 06/2014-EQ 659,EX 630,TU 640
NFCU loc-$15k|NFCU visa-$10k|Barclays-$1.5k|Cap one $2k|Wmart-$750|JCP-$500|Jcrew-$4,250|Loft-$250|Gap-$200|76 gas-$300|Amazon store-$700
Regular Contributor
silverzgirl
Posts: 165
Registered: ‎05-07-2013

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(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



Mega Contributor
Creditaddict
Posts: 18,797
Registered: ‎10-23-2007

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.

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Established Member
Stage24u
Posts: 38
Registered: ‎06-28-2013

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.

 

 

Mega Contributor
Creditaddict
Posts: 18,797
Registered: ‎10-23-2007

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.

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:

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