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Loving NFCU even more than ever now!!!

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Danique
Regular Contributor

Loving NFCU even more than ever now!!!

If I ever had any doubt about how great a credit union Navy Federal is, those doubts were smashed to bits last Tuesday morning! Like many of you here, I have been rebuilding my credit after making the decision to file Chapter 7 earlier this year. Once I was discharged in April, I applied for a CapOne card and was given a 1k credit limit. My scores were averaging 560 or so. After 2 months, I went to 2k. In May I apped for a NFCU credit card after having been a member for 3 weeks. I was given a CL of $500. I tried for a CL increase after 3 months and was declined. I was discouraged. The rep told me the bankruptcy played a part and they like to see good payments for at least 6 months. I thought she was blowing smoke up my behind cuz I've read where others have received generous CLIs 3 months after discharge. Patience is definitely NOT my strong point but I kept piddling along. I also had a credit rebuilder loan with them around this time. Last month I was approved for a 1k checking line of credit as well. I used that cc limit to my advantage, made my payments on time, and just waited. My statement just cut yesterday so I went in this am and applied for a CLI. I asked for the max amount. I almost died from shock when I was approved... I went from a 500CL to 12,500!!! Definitely not what I was expecting but I definitely gave all the glory to GOD!!! I say all this to say, I know its hard but be patient and stay in your own lane. Don't let the success of others discourage you. Your time will come. Just Do U Boo!!!

Discharged 4/28/2016
EQ-530/EX-600/TU-469

Current scores as of 2/06/2017
EQ-664/EX-667/TU-654

CapOne Quicksilver- $2,500

NFCU CashRewards - $12500

Overstock - $2200

Wayfair - $2200

HSN - $1250

Victoria Secret - $250

Discover IT - $1200

Amazon - $800

Message 1 of 12
11 REPLIES 11
Anonymous
Not applicable

Re: Loving NFCU even more than ever now!!!

Wow!! Congrats on the cli! Stories like yours give me such high hopes that my $500 sl card will grow as large as yours did in just 6-7 mos! I've had my card since June, I'll be asking for a cli in 2 months and I'm hoping that they will be as generous as they were with you!
Message 2 of 12
kobe2012
Established Contributor

Re: Loving NFCU even more than ever now!!!

I have had no luck with NFCU... yes they gave me a $500 SL back in July, and i have been using it and paying in full each month, still no increase. I have wasted literally 8 hard pulls since applying for an increase and CLOC. At first they gave me a reason: Account too new, to Denied due to BK. I don't get their logic... oh well. My BK will be one year this December and I have rebuilt pretty well. Congratz though!!! Sorry, just venting..lol

 

Oh, and my score had increased by 40 points since.


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 3 of 12
Anonymous
Not applicable

Re: Loving NFCU even more than ever now!!!

Could income be the problem? Do you mind sharing your income? I only ask because I only make 35K a year, and I wonder if my limits will eventually look the same as everyone else's or not.

Message 4 of 12
kobe2012
Established Contributor

Re: Loving NFCU even more than ever now!!!


@Anonymous wrote:

Could income be the problem? Do you mind sharing your income? I only ask because I only make 35K a year, :9 I wonder if my limits will eventually look the same as everyone else's or not.


I make about $60k a year, no rent or car payment.... just student loans that are deferred $200 a month, and my cards are all zero balances except for one merrick bank $300 ... total utilization is prolly under 10% .. low limit cards due to rebuilding


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 5 of 12
Anonymous
Not applicable

Re: Loving NFCU even more than ever now!!!


@kobe2012 wrote:

I have had no luck with NFCU... yes they gave me a $500 SL back in July, and i have been using it and paying in full each month, still no increase. I have wasted literally 8 hard pulls since applying for an increase and CLOC. At first they gave me a reason: Account too new, to Denied due to BK. I don't get their logic... oh well. My BK will be one year this December and I have rebuilt pretty well. Congratz though!!! Sorry, just venting..lol

 

Oh, and my score had increased by 40 points since.


Don't be discouraged, you've read it many times before it takes time and patience.  

Message 6 of 12
kobe2012
Established Contributor

Re: Loving NFCU even more than ever now!!!


@Anonymous wrote:

@kobe2012 wrote:

I have had no luck with NFCU... yes they gave me a $500 SL back in July, and i have been using it and paying in full each month, still no increase. I have wasted literally 8 hard pulls since applying for an increase and CLOC. At first they gave me a reason: Account too new, to Denied due to BK. I don't get their logic... oh well. My BK will be one year this December and I have rebuilt pretty well. Congratz though!!! Sorry, just venting..lol

 

Oh, and my score had increased by 40 points since.


Don't be discouraged, you've read it many times before it takes time and patience.  


Thanks, it just sucks how navy gets hp happy... i literally have 8 on EQ and 6 on TU just from navy 


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 7 of 12
Scupra
Super Contributor

Re: Loving NFCU even more than ever now!!!


@kobe2012 wrote:

@Anonymous wrote:

@kobe2012 wrote:

I have had no luck with NFCU... yes they gave me a $500 SL back in July, and i have been using it and paying in full each month, still no increase. I have wasted literally 8 hard pulls since applying for an increase and CLOC. At first they gave me a reason: Account too new, to Denied due to BK. I don't get their logic... oh well. My BK will be one year this December and I have rebuilt pretty well. Congratz though!!! Sorry, just venting..lol

 

Oh, and my score had increased by 40 points since.


Don't be discouraged, you've read it many times before it takes time and patience.  


Thanks, it just sucks how navy gets hp happy... i literally have 8 on EQ and 6 on TU just from navy 


Only thing I dislike about Navy

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 8 of 12
Danique
Regular Contributor

Re: Loving NFCU even more than ever now!!!

Yeah, those hard pulls are a beast. Half of the ones I got are from Navy...
Discharged 4/28/2016
EQ-530/EX-600/TU-469

Current scores as of 2/06/2017
EQ-664/EX-667/TU-654

CapOne Quicksilver- $2,500

NFCU CashRewards - $12500

Overstock - $2200

Wayfair - $2200

HSN - $1250

Victoria Secret - $250

Discover IT - $1200

Amazon - $800

Message 9 of 12
Danique
Regular Contributor

Re: Loving NFCU even more than ever now!!!

From my experience, it's been a waiting game with theme. Very frustrating but I guess they want us to prove ourselves...
Discharged 4/28/2016
EQ-530/EX-600/TU-469

Current scores as of 2/06/2017
EQ-664/EX-667/TU-654

CapOne Quicksilver- $2,500

NFCU CashRewards - $12500

Overstock - $2200

Wayfair - $2200

HSN - $1250

Victoria Secret - $250

Discover IT - $1200

Amazon - $800

Message 10 of 12
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