topic Re: What can I expect from nfcu in Credit Cards

What can I expect from nfcu

mrldp40 — Tue, 20 Jun 2017 15:29:11 GMT

July 25 my 3rd cc statement will cut with navy I be at 94 days .I start with I guess there minimum limit of 1k ,cash rewards. my question is what kind of limit might I get from them since I started low .I'm very thankful for the card I have .I have low n come too .17k aaoa 3.8 years utility 17 percent I know no one can tell for sure but I like to here from others that started low and how Navy treated them in terms of cli's thanks

Re: What can I expect from nfcu

-Cal- — Tue, 20 Jun 2017 16:21:48 GMT

Everyone's scenario is unique, I know people in your income range that started off with low limits, and some with ~ 15k limits. After their next account review (you will see threads here in the applications section when it happens) do a CLI request for the soft-max $25k, you will either get $25k or they will counter you with a lower offer. Repeat during the next cycle until you hit $25k.

Good Luck

Re: What can I expect from nfcu

mrldp40 — Tue, 20 Jun 2017 16:28:43 GMT

Sounds like a plan

Re: What can I expect from nfcu

AverageJoesCredit — Tue, 20 Jun 2017 16:49:19 GMT

Hey mrldp40, im in same boat income wise . Dont give up hope, lol, you got $500 more than i did. After a timimg mishap, when i pulled the trigger after having my 3 statements and 90 plus days, Navy increased my $500 Platinum card to $5000 . Now the real interesting part will be my next attempt to see how far my low income gets me haha

Re: What can I expect from nfcu

mrldp40 — Tue, 20 Jun 2017 16:57:33 GMT

Hey average Joe 5k would make me happy.but yea it may get real interested your next cli .good luck

Re: What can I expect from nfcu

mrldp40 — Tue, 20 Jun 2017 17:00:32 GMT

Does Navy usally out do your other accounts ?. I have 5k Thur my jewelry club lol

Re: What can I expect from nfcu

AverageJoesCredit — Tue, 20 Jun 2017 17:08:41 GMT

Thanks, im not sure they try to outdo other accounts i think they just do lol. Look at how many rebuilders who have a 2k limit, get Navy and bam a 15-20k card. Id imagine Navy wants to be your main . Ive been thinking of using my Navy card for the next 3 months for everything just to plant a seed haha. The worse thing about low income, besides no money haha, is its hard to spread the love to the cards i want to grow with spend. Still in 1st year with Disco, back in with Amex , and now with Navy. I think once i pay off my Bt balanced with my Boa im gonna reevaluate my line up.

Good luck on your cli as well mrldp40. I think youll be pleasantly suprised

Re: What can I expect from nfcu

mrldp40 — Tue, 20 Jun 2017 17:27:13 GMT

Thanks I counting the days . I have no problem making Navy #1 but I'll keep a few other options open too .u never know these days

Re: What can I expect from nfcu

AverageJoesCredit — Tue, 20 Jun 2017 17:31:50 GMT

+1 definetly want diversity. Id like to have nice limit Visa , Mc, Amex , Disco and good Bt card, lol my Boa

Re: What can I expect from nfcu

Anonymous — Wed, 21 Jun 2017 20:16:51 GMT

Good Luck when you CLI... I'm in the same boat, i got a 1k SL and a low income as well. I'm not eligible till 8/6 at the earilest and i've heard the next AR is Sept 1st, so i might try to wait for that. Here's to going for a big CLI..

Re: What can I expect from nfcu

mrldp40 — Wed, 21 Jun 2017 20:42:19 GMT

Average Joe went from 500 to 5k so there's definitely hope.lol

Re: What can I expect from nfcu

AverageJoesCredit — Wed, 21 Jun 2017 20:44:39 GMT

Yeah Jago, i may do the same in Sept. I may be losing my mind but after 1st increase( 3 months in) is it best to go again 3 months later or actually give it 6 months from 1st increase. If my chances are better waiting til Nov/ Dec i can wait

Re: What can I expect from nfcu

mrldp40 — Wed, 21 Jun 2017 20:49:45 GMT

First cli 91 days and 3 statements 6 months after that each time

Re: What can I expect from nfcu

Anonymous — Wed, 21 Jun 2017 20:52:21 GMT

Yeah mrldp40, AJC is a beast, so he deserves it.. very helpful and funny. 5k would get me to sig level and i would be good with that too. altho i would be willing to take one for the team if they wanted to up me to 5 figures

AJC.. that is the part that is killing me. i have no patience (not a DR. lol )

Re: What can I expect from nfcu

mrldp40 — Wed, 21 Jun 2017 20:53:58 GMT

Yea it would be interesting have a 5 figure card

Re: What can I expect from nfcu

Anonymous — Wed, 21 Jun 2017 20:55:56 GMT

@mrldp40 wrote:
Yea it would be interesting have a 5 figure card

I'd love to have it, but i'm to poor to use it haha. i see posts all the time about ppl getting cards and hitting the spend on them. Maybe someday.

Re: What can I expect from nfcu

AverageJoesCredit — Wed, 21 Jun 2017 21:04:12 GMT

Good to know the 6 months so thatll push me up to November, woo hoo just in time for Christmas

Ill tell ya, coming from a bk, everyday im conscious of not letting my credit cards get too far out of hand. I would love to use my cc more but showing constraint can be a good thing. I was actually able to hit my spend on my Amex back in Feb/March but thankfully from normal spend and some unexpected car maintenance. I would like one of those bonuses like $150 for $500 spend lol

Re: What can I expect from nfcu

mrldp40 — Wed, 21 Jun 2017 21:08:54 GMT

Keeping under control is best .we can't afford big sprees lol .like I said 5 k would be fine for me. It may or may not happen but im in with nfcu I'm a member so anything is possible so to the low cl ,low income members of nfcu .yeaaaaaa us ! Lol

Re: What can I expect from nfcu

Anonymous — Wed, 21 Jun 2017 21:22:02 GMT

@AverageJoesCredit wrote:
Good to know the 6 months so thatll push me up to November, woo hoo just in time for Christmas

Ill tell ya, coming from a bk, everyday im conscious of not letting my credit cards get too far out of hand. I would love to use my cc more but showing constraint can be a good thing. I was actually able to hit my spend on my Amex back in Feb/March but thankfully from normal spend and some unexpected car maintenance. I would like one of those bonuses like $150 for $500 spend lol

That wouldnt be so bad to hit in 90 days, but the CR 3k in 90 days, i wouldnt be able to do.

I really just want a big CLI so that it will help on UTI and maybe as my profile improves (working on that) then i'll get higher SL's due to the navy card.