@webhopper wrote:
@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
He can go for double digits in another 6 months. This account has been open for about 6 months.
So when you ask for a NFCU CLI via the link it's a SP and not a HP?
@hedgeclipper2 wrote:
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!
I've never had the gall to ask for a CLI on my 22k line ROFL
I'm too chicken. My high usage was 10.6k on the account. Its at 0 balance right now. I don't need a HP and I would be afraid that it would take a HP to get me any higher than I'm at
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
@LesWH wrote:
@webhopper wrote:
@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
He can go for double digits in another 6 months. This account has been open for about 6 months.
So when you ask for a NFCU CLI via the link it's a SP and not a HP?
That's what I've heard. I will confirm tomorrow
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
@webhopper wrote:
@LesWH wrote:
@webhopper wrote:
@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
He can go for double digits in another 6 months. This account has been open for about 6 months.
So when you ask for a NFCU CLI via the link it's a SP and not a HP?
That's what I've heard. I will confirm tomorrow
This is a YMMV situation. If you ask online, and its instant it is a SP. If it gives the 3-5 day message, it will be a HARD. SO TREAD LIGHTLY HERE!
@hedgeclipper2 wrote:
@webhopper wrote:
@hedgeclipper2 wrote:
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!I've never had the gall to ask for a CLI on my 22k line ROFL
I'm too chicken. My high usage was 10.6k on the account. Its at 0 balance right now. I don't need a HP and I would be afraid that it would take a HP to get me any higher than I'm at
I also have a Navchek at $15k too, so I wonder if they take that into consideration for unsecured exposure.
Its possible. I've heard that you can move 5k from your NavCheck over to your credit card...
I think the cap is imposed by income... so the more income you have, the higher your total exposure can be
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
@hedgeclipper2 wrote:
@webhopper wrote:
@LesWH wrote:
@webhopper wrote:
@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
He can go for double digits in another 6 months. This account has been open for about 6 months.
So when you ask for a NFCU CLI via the link it's a SP and not a HP?
That's what I've heard. I will confirm tomorrow
This is a YMMV situation. If you ask online, and its instant it is a SP. If it gives the 3-5 day message, it will be a HARD. SO TREAD LIGHTLY HERE!
That's nice to know. I don't need a CLI presently, they started me off with a $16,000 dollar limit, which is more than enough. Thanks for the information, though. I am learning so much from these boards!
@gettnthere wrote:
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!
+++++1
Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Thanks gttnthere and avamommy!
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
