topic Was I too greedy with NFCU in Credit Cards

Was I too greedy with NFCU

Interestedincredit — Mon, 01 Jun 2015 01:35:48 GMT

So today I but the bullet and hit the CLI request on my cash rewards, please note I rarely use this card and if I do it is for small stuff and I PIF.

I am young 19 with a solid income:
Here is my portfolio
NFCU cash 5k
NFCU flagship 5k
Navcheck 15k
U.S. Air 3k
NASA 10k
Cap 1 1500
Chase Saphire Prefered 5k
Freedom 1200
Hyatt: 5k
Discover 850.00
Lowes 17k
Walmart 10k
Citi Forward 2k
Bank of America Travel Rewards 5k

I recently requested a CLI in February on my NFCU cash 1500-5k

Today I requested 25k?
Do I have a shot at approval?
My AAOA is 1.6
4% utilization
100% on time payments.

Credit score around 760
I also have a small personal loan with NFCU 60% paid back. Opened in January

Thank you!!!!

Re: Was I too greedy with NFCU

Interestedincredit — Mon, 01 Jun 2015 01:38:21 GMT

Amex Platinum also NPSL

Re: Was I too greedy with NFCU

Anonymous — Mon, 01 Jun 2015 01:43:27 GMT

@Interestedincredit wrote:
So today I but the bullet and hit the CLI request on my cash rewards, please note I rarely use this card and if I do it is for small stuff and I PIF.

I am young 19 with a solid income:
Here is my portfolio
NFCU cash 5k
NFCU flagship 5k
Navcheck 15k
U.S. Air 3k
NASA 10k
Cap 1 1500
Chase Saphire Prefered 5k
Freedom 1200
Hyatt: 5k
Discover 850.00
Lowes 17k
Walmart 10k
Citi Forward 2k
Bank of America Travel Rewards 5k

I recently requested a CLI in February on my NFCU cash 1500-5k

Today I requested 25k?
Do I have a shot at approval?
My AAOA is 1.6
4% utilization
100% on time payments.

Credit score around 760
I also have a small personal loan with NFCU 60% paid back. Opened in January

Thank you!!!!

Your income is important so depending on that will really affect what if any increase you get. I'd be surprised if you got the whole 25 but you'll probably get some kind of approval with a counter offer, maybe in the $12-15 range. Could be wrong though. Good luck.

Re: Was I too greedy with NFCU

Anonymous — Mon, 01 Jun 2015 01:56:56 GMT

You're 19 years old and have over $125k in credit? Jeez. There's nothing wrong with that, but just be careful. I was making over $100k a year by my junior year in college, but I am happy I didn't really care about having high credit lines at that point in my life. As responsible as I thought I was for my age, looking back I could easily see myself getting in trouble and carrying balances and paying way too much in interest, or worse, if I had $125k in credit lines.

Obviously everyone is different. As for your question, I doubt you'll get approved for that much, but as Irish80 said, you'll probably get a counter offer.

Re: Was I too greedy with NFCU

Interestedincredit — Mon, 01 Jun 2015 02:44:49 GMT

Thank you for the input, I actually called and canceled it since it is a HP

Re: Was I too greedy with NFCU

Anonymous — Mon, 01 Jun 2015 23:00:41 GMT

What determines if it is a hp?