Credit Card Center Advertiser Disclosure

Posts: 146
Registered: ‎12-25-2015

NFCU CLOC Increase

I've had my CLOC for probably 2 months. Never used it, barely got in the door with 500 and that was after a recon. i had originally asked for 5k and after the initial denial i submitted a recon request. Now i haven't used the line but i requested an increase. I only asked for 1.5k and after about 3 or 4 hours i got the approval email. So now i have a 2k CLOC. I'm happy about that, thrilled.. But before today I attempted to add another navy federal card. I got an instant decline saying that i hadn't had my existing cashrewards visa long enough. so i can get a cloc increase but not another card. doesn't make much sense but two different underwriters and two different departments. but hey i'll take it. I got another month and a half before i can do a line increase on my cashrewards visa. can't wait to see how that goes Smiley Embarassed) Navy Fed still rocks in my opinion.

Valued Contributor
Posts: 1,283
Registered: ‎03-01-2016

Re: NFCU CLOC Increase

Congrats on the CLOC approval!!
Tough to be patient, but hopefully Navy will make it worth your wait
State Farm Rewards (3,000) ~ Marvel MC (5,000) ~ PenFed Power Cash (5,000) ~ PenFed Promise (6,000) ~ PenFed OLOC (500) ~ Discover ($1,000) ~ Citi DC (1,700) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (1,700) ~ NFCU CLOC (15,000) ~ QuickSilver Visa (10,300) ~ DCU Visa (5,000) ~ Chase Freedom Unlimited (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG Business (3,000) ~ Care Credit (12,000)
Current Scores (7/8/17): 673 Transunion, 616 Equifax, 651 Experian
Valued Contributor
Posts: 2,255
Registered: ‎02-14-2016
0 Kudos

Re: NFCU CLOC Increase

Yeah just keep managing your credit well and they will grow quickly. When I joined, they gave an instant 15.6k CC but required income verification for the CLOC which ended up only being 2.5k. I waited about 6 months and they bumped The CC up to 21.5k and CLOC up to 15k.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.