20k card limit from NFCU and only 2k from Alliant

[Stevielynx]

The title says it all. I'm not sure if I should try to recon, accept it or reject it.

How are they with cli?


I know they use a different scoring model. I got hit with short credit history.

[Anonymous]

I don't think all lenders follow the same rules from "The Book of Lending". NFCU has their own underwriters and automated systems that determine your risk factor, so does Alliant. I don't know about Alliant recon.

[CreditCuriosity]

NFCU is known to be very generous with their CL's or loosey goosey for less than perfect profile.. Can't compare apples and oranges.

Would love to have a NFCU with a nice fat 25k limit, but can't get membership

[FinStar]

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@Anonymous wrote:
I don't think all lenders follow the same rules from "The Book of Lending". NFCU has their own underwriters and automated systems that determine your risk factor, so does Alliant. I don't know about Alliant recon.

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As mentioned above OP, every lender is different.  That goes for traditional banks and/or CUs.  Not sure I've seen any reconsideration success stories with Alliant but you may incur another HP and may not gain much as far as a CLI on that.  You could accept it and grow it down the road since you already took the HP for the card/membership

[Loquat]

I would love to have an in with NFCU but it just ain't gonna happen...

[ThriftySaver]

When you applied for Alliant did they ask for any documents like paystubs?

[Stevielynx]

No

[Anonymous]

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@CreditCuriousity wrote:

NFCU is known to be very generous with their CL's or loosey goosey for less than perfect profile.. Can't compare apples and oranges.

Would love to have a NFCU with a nice fat 25k limit, but can't get membership

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Ditto for me.

[creditguy]

Comparing apples to oranges here. As others have said, every lender is different and each lender calculates risk in different ways. Navy has always been known to be generous, while other CU's are more conservative and keep thier purse strings held a little tighter. Plus, let's face it. No other CU is on the same level, size wise as Navy and can't offer 25k CL's to everyone but only thier top % of customers. Navy has about $50 Billion more is assets than Alliant, that definitely helps.