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Whoo Hooo... NFCU CLI on Platinum Card

Moderator Emeritus

Whoo Hooo... NFCU CLI on Platinum Card

My husband had a Platinum Card with a $4k limit.   With his permission, I requested a CLI to $7500.00..  I had to explain to him that you always want to ask for CLIs when you don't really need them Smiley Wink

 

 

Here is the message:

 

Credit Card:xxxxxxxxxxxxxxxx MasterCard Platinum
 
Approved Credit Line:$7,500.00
 
Your account will now reflect the new credit line and will be available for immediate use.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 1 of 31
30 REPLIES
Moderator Emeritus

Re: Whoo Hooo... NFCU CLI on Platinum Card

My husband is rebuilding... his current scores are in the 660  range.   He is AU on my Discover, Chase, and Amex accounts... 

This credit card is the only tradeline that he has as an individual.

 

We were accepted for a 45k auto loan which will be a joint account at 1.79% interest...   so he will have 2 tradelines by next year.

 

Baddies are foreclosure in early 2010,  no deficiency balance. My husband lost his job, this was before I met him.

Citi CC Chargeoff in 2010, settled with them while it was in internal collections...  he didn't know about this account, the ex wife applied for it using his information and bought her boyfriend a motorcycle.

 

He has many paid in full, never late accounts, but he has these two that are bad.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 2 of 31
Valued Contributor

Re: Whoo Hooo... NFCU CLI on Platinum Card

Nice and congrats to both of you! Why didnt you ask for more?
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 3 of 31
Established Contributor

Re: Whoo Hooo... NFCU CLI on Platinum Card

CONGRATS WEB!! And to your husband. Hes lucky to have someone as knowledgeable as you to help with his credit. Yall keep up the awesome work. And congratulations on that phenomenally low interest rate!


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 4 of 31
Super Contributor

Re: Whoo Hooo... NFCU CLI on Platinum Card

Congrats !!




Message 5 of 31
Frequent Contributor

Re: Whoo Hooo... NFCU CLI on Platinum Card

Congrats.....

 

You are correct, only when you dont need them LOL Smiley Very Happy

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Message 6 of 31
Moderator Emeritus

Re: Whoo Hooo... NFCU CLI on Platinum Card


jsickz32 wrote:
Nice and congrats to both of you! Why didnt you ask for more?

I wanted it to be a SP instead of a HP...   plus, the goal was to get above the 5k mark just in case he ever wanted to upgrade to siggy.

 

We really didn't "need" more,  as I've got a 22k line and a 15k line with them already.  And I didn't want to spook them because we've got an auto loan that we are going to be taking out with them in Dec.

 

4k > 7.5k is nothing to sneeze at Smiley Happy

 

He can go for double digits in another 6 months.   This account has been open for about 6 months.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 7 of 31
Highlighted
Contributor

Re: Whoo Hooo... NFCU CLI on Platinum Card

Congrats!!! I just requested an increase on my Cash Rewards Visa yesterday from 10k to 15k....instant approval! NFCU is soooo good to people! Especially if your good to them!

Message 8 of 31
Moderator Emeritus

Re: Whoo Hooo... NFCU CLI on Platinum Card


rbizzle wrote:

Congrats!!! I just requested an increase on my Cash Rewards Visa yesterday from 10k to 15k....instant approval! NFCU is soooo good to people! Especially if your good to them!


Great news congrats!!!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 9 of 31
Frequent Contributor

Re: Whoo Hooo... NFCU CLI on Platinum Card

Congrats!  You are so lucky!  I have never gotten instant approval on any of my CLI requests, so now I just sit and wait for the auto-CLI's.  Havent seen one lately though, seem to be stuck at $30k. But congrats again to everyone getting instant!  I think those are hard pull free too!
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My favorite card right now: Fidelity Investment Rewards Visa Signature
Message 10 of 31