topic Re: Hard Pull for Navy Federal Credit Limit Increase? in Credit Cards

Hard Pull for Navy Federal Credit Limit Increase?

Anonymous — Sat, 27 Apr 2013 01:44:04 GMT

Does anyone know if Navy Federal does a hard pull for a CL increase?

Also when I go to apply online for a CL increase it tells me to put in an amount... Current limit is $7,000... Any suggestions for what to request so I don't get denied? Is doubling that too much to ask?

The account will be a year old in June... Should I wait until I hit the 1 year mark? I pay it off in full every month typically between $1,000-$5,000 every month. I've charged about $40,000 to it since I opened it

Re: Hard Pull for Navy Federal Credit Limit Increase?

Rhaeny — Sat, 27 Apr 2013 01:48:12 GMT

You can never tell with Navy. Sometimes its a hp and sometimes its a sp. You just gotta go for it. But from what you've said you will get approved.

I got my card in December. My credit line went like this: 2K, 5K, 7500K, 10K, 15K. All of them except for one was an sp and its only been 4 months.

Re: Hard Pull for Navy Federal Credit Limit Increase?

Rhaeny — Sat, 27 Apr 2013 01:49:33 GMT

Here's a thread that will give you some inspiration to hit the luv button:

http://ficoforums.myfico.com/t5/Credit-Cards/well-well-NFCU-you-love-me/td-p/2085959

Re: Hard Pull for Navy Federal Credit Limit Increase?

Anonymous — Sat, 27 Apr 2013 01:57:18 GMT

Hmmm now I'm intrigued by that post. Thanks!

Am I reading right that I should login and request $500 or $1,000 increase and just keep repeating until they say no?

Re: Hard Pull for Navy Federal Credit Limit Increase?

Rhaeny — Sat, 27 Apr 2013 02:06:48 GMT

Well since you've had the card for so long I would go for $10K immediately. If its instant then maybe $3K and $2K...something like that. But it just depends on what you want your limit to be. I just don't see you having a problem at all. At least from what I've seen on this board.

One guy, dodgeball did it so many times over so many days with sp's that I was afraid he was going to take all of the money away...LOL!

Do a search on him and you will find that thread....it is hilarious but he did it so I followed up right behind him.

Now if you get a 3-5 message, don't worry at all because all they are going to do is manually review you which will result in an HP. If you put in an amount and they counter then that is an sp, so take that offer and stop because that is your limit without an hp.

Re: Hard Pull for Navy Federal Credit Limit Increase?

Anonymous — Sat, 27 Apr 2013 02:10:35 GMT

I couldn't wait any longer haha so I just went for it and instantly got approved for $15k.... I'm assuming if it's instant it's only a soft pull and the 3-5 day message is for a hard pull?

Re: Hard Pull for Navy Federal Credit Limit Increase?

dodfire — Sat, 27 Apr 2013 02:14:33 GMT

Congrats.....and yes if it was instant....SP

Re: Hard Pull for Navy Federal Credit Limit Increase?

Rhaeny — Sat, 27 Apr 2013 02:16:32 GMT

Woohooo!!! Congrats!!

Now wasn't that easy?

Re: Hard Pull for Navy Federal Credit Limit Increase?

Anonymous — Sat, 27 Apr 2013 02:47:53 GMT

So easy... and so tempted to do it again hah

Re: Hard Pull for Navy Federal Credit Limit Increase?

Rhaeny — Sat, 27 Apr 2013 02:55:56 GMT

@Anonymous wrote:
So easy... and so tempted to do it again hah

Go for it! I couldn't stand the temptation either!

Re: Hard Pull for Navy Federal Credit Limit Increase?

Anonymous — Sat, 27 Apr 2013 03:00:27 GMT

Okay just pulled the trigger again... I tried for 20 but they countered for 17 instant... I'm cool with that!! Another 10k in credit in an hour...

I love NFCU!!!

Re: Hard Pull for Navy Federal Credit Limit Increase?

Rhaeny — Sat, 27 Apr 2013 03:03:09 GMT

@Anonymous wrote:
Okay just pulled the trigger again... I tried for 20 but they countered for 17 instant... I'm cool with that!! Another 10k in credit in an hour...

I love NFCU!!!

I tell ya, isn't that awesome? You did great. Congrats!

Re: Hard Pull for Navy Federal Credit Limit Increase?

dodfire — Sat, 27 Apr 2013 03:04:21 GMT

HAHA Here we go again!!!!

Re: Hard Pull for Navy Federal Credit Limit Increase?

Rhaeny — Sat, 27 Apr 2013 03:07:27 GMT

Okay I'm done! I just went in and upped it to $20K. I can't read anymore of these types of threads. I must be done now...LOL!!!

But at least I get to stay in the garden!

Re: Hard Pull for Navy Federal Credit Limit Increase?

Rhaeny — Sat, 27 Apr 2013 03:08:28 GMT

@dodfire wrote:
HAHA Here we go again!!!!

I know right?

Re: Hard Pull for Navy Federal Credit Limit Increase?

Anonymous — Sat, 27 Apr 2013 03:43:10 GMT

man you guys just made me push the button again just got 5K

Flagship siggy 22K

nrewards 20K

cash reards siggy 20K

navcheck 15K

personal loan 26K balance 11K

Re: Hard Pull for Navy Federal Credit Limit Increase?

Rhaeny — Sat, 27 Apr 2013 03:45:15 GMT

@Anonymous wrote:
man you guys just made me push the button again just got 5K
Flagship siggy 22K
nrewards 20K
cash reards siggy 20K
navcheck 15K
personal loan 26K balance 11K

It is sooooo addictive!

Re: Hard Pull for Navy Federal Credit Limit Increase?

Creditcurious74 — Sat, 27 Apr 2013 03:55:11 GMT

I did this for my wife nRewards CC yesterday and it gave me the 3-5 days message, they called my wife this morning asking for 2 recent paystubs but no changes yet so I this moment it was a HP and I see a denial My wife just applied in March of this year.

Re: Hard Pull for Navy Federal Credit Limit Increase?

Creditaddict — Sat, 27 Apr 2013 04:04:39 GMT

I just don't understand why banks dont just start letting customers choose HP OR SP and take or leave what they are willing to do... and really actually I don't understand why banks need a HP at all after approval!! and finally before I get off the Soap Box, if HP's are needed they need to be removed from ANY equation of credit worthyness and score module!

Now, you all just wait until my partners 3x Amex CLI, then Navy Credit Cards are on like Donkey Kong!

Re: Hard Pull for Navy Federal Credit Limit Increase?

Anonymous — Sat, 27 Apr 2013 06:42:22 GMT

Based what I've been reading lately, the earliest age of account was 4 months for CLI. I'm not sure if anybody has had sucess fewer than 4 months.