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Yes, it is a great tradeline on you credit. It just sits reporting for you building history. $15K extra towards utilization and positive history. They do not seem to care if you never use it.
It is also great if you use NFCU for your banking. I can put all my bills on auto pay and never even consider if I have money in the acoount or not. Everything will be paid, everytime. I have never used my line of credit but I sure rest easy knowing it is there when bill time comes each month.
Congrats! Nice move... It was worth it. If you never use it, it will just sit there making history for you ! If you need to use it, well, youll be glad you had it. So did you get the full 15k?
IMHO, people on here sweat HP's waaay too much. OP had no pulls since last feb - ZERO. So now he has one. One more is certainly not likely to ding him any.
I got the full $15k. Wahoo!