topic Re: Recon NFCU Plat Approval for higher SL in Credit Card Applications

Recon NFCU Plat Approval for higher SL

Anonymous — Sat, 01 Dec 2018 19:21:03 GMT

Anyone have tips for this? Just submit request via the private message app online? We received instant approval for $15k - want to shoot for $25k.

Re: Recon NFCU Plat Approval for higher SL

Medic981 — Sat, 01 Dec 2018 20:30:22 GMT

Does you DTI support a $25K SL? That is the question I would ask, which is what NFCU considered when they approved you for $15K.

Re: Recon NFCU Plat Approval for higher SL

Anonymous — Sat, 01 Dec 2018 20:53:54 GMT

I'm well under 30% on a 6 figure salary after living and auto loan.

Re: Recon NFCU Plat Approval for higher SL

Gmood1 — Sat, 01 Dec 2018 22:55:31 GMT

All you can do is try. Does DW have any history with Navy outside of the Plat CC? If not, they may want to see more payment history before raising the limit.

Re: Recon NFCU Plat Approval for higher SL

Anonymous — Sat, 01 Dec 2018 22:59:06 GMT

She’s had a checking account with them for around 6 years.

Re: Recon NFCU Plat Approval for higher SL

AverageJoesCredit — Sat, 01 Dec 2018 23:23:32 GMT

Checking accounts and what you have in bank bear little weight in Navy credit decisions. Why not give it 3 months to build some history? Rome wasnt built in a day lol

Re: Recon NFCU Plat Approval for higher SL

RonM21 — Sat, 01 Dec 2018 23:42:05 GMT

@AverageJoesCredit wrote:
Checking accounts and what you have in bank bear little weight in Navy credit decisions. Why not give it 3 months to build some history? Rome wasnt built in a day lol

I think this is a good idea, just because they can see how you use the card, and maybe the chance will be more likely for them to give you the increase.

Re: Recon NFCU Plat Approval for higher SL

Anonymous — Sat, 01 Dec 2018 23:54:29 GMT

Works for me - I've read that recons are nothing gained, nothing lost type of scenario. No?

Re: Recon NFCU Plat Approval for higher SL

Anonymous — Sun, 02 Dec 2018 00:19:11 GMT

GM asked a question about my history with Navy. I answered. Lol

Re: Recon NFCU Plat Approval for higher SL

Gmood1 — Sun, 02 Dec 2018 00:27:28 GMT

Give it at least 90 days, at 180 days she should be golden.

Re: Recon NFCU Plat Approval for higher SL

rbentley — Sun, 02 Dec 2018 00:30:44 GMT

With Navy you can almost bet that recon would be another hard pull.

Re: Recon NFCU Plat Approval for higher SL

Anonymous — Sun, 02 Dec 2018 00:32:35 GMT

That’s fine. She only has 1 in 24 months and we aren’t apping again until 2020. Nothing lost.

Re: Recon NFCU Plat Approval for higher SL

CreditCuriosity — Sun, 02 Dec 2018 01:16:40 GMT

Why not just wait for 90 to 180 days? 15k is plenty for most people and save yourself a HP most likely? 15k is pretty generous for first card if scores are accurate in signature.

Re: Recon NFCU Plat Approval for higher SL

Anonymous — Sun, 02 Dec 2018 01:18:29 GMT

DW has a 768 EQ. We are apping for a mortgage in Jan 2020. Trying to get the HP’s done and over.

Re: Recon NFCU Plat Approval for higher SL

AverageJoesCredit — Sun, 02 Dec 2018 02:14:36 GMT

If its what you and DW want , hp be darned lol, send off a secure message to Navy. Explain in detail what you would like to accomplish, your goal on a mortgage in 2020, and just be honest. In my experience, they can be quite accommodating if you actually request something but with solid logic on your side. Good luck