6 month rule with NFCU?

[missgaonmymind]

Called to get an exact date of when my account was opened, so I could apply for a credit limit increases. I've always understood it to be 90 days or 3 issued statements. However, I was told it needs to ne 6 months. Anybody else heard of this?

[peghede]

I think 6 months is between cli ,but u can request first cli on after 3 statements cut and 90 days.

Unless they recently change first cli and between cli to 6 months.

[JustcallmeTM]

Techincally both are right. 

If your scores are actually good then you have a chance to get a CLI within the first 3 months of opening, but if you barely got in or had to recon your efforts to get in then you should wait the 6 months or risk getting HP for it.

If your NFCU CC's are already over 20k I would stop trying every 3 months, even every 6 months is pointless. I have a 24k and 22k CC and I've been sitting on those line since 2015 took enough HP to know I don't care for the 25k line that bad. 

I don't bother sending stubs because its pointless, everything I do goes through NFCU from checks to bill payments. I dont have to prove my income because of that.

[missgaonmymind]

Yeah I'm just coming upon my 90 days as a NFCU cardholder. My initial CL was low- $1700. However, my mortgage wasn't reporting and I'm hoping this helps. I've see lots of people get great CLI's when their 90 days pass. I made a request too soon and the rep told me you have to wait 3months, when I called back in, she told me 6months, so wasn't sure if this was something new. 7/1 will be my official 90 days, so I'm going to wait until Monday to pull the trigger.

[missgaonmymind]

Clarification: Inspoke with 2 different reps on 2 different occasions.

[Jimp2323]

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@missgaonmymind wrote:
Yeah I'm just coming upon my 90 days as a NFCU cardholder. My initial CL was low- $1700. However, my mortgage wasn't reporting and I'm hoping this helps. I've see lots of people get great CLI's when their 90 days pass. I made a request too soon and the rep told me you have to wait 3months, when I called back in, she told me 6months, so wasn't sure if this was something new. 7/1 will be my official 90 days, so I'm going to wait until Monday to pull the trigger.

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You might want to wait a week or so since they should be doing an AU the first part of July.  Might save yourself a HP.

[missgaonmymind]

Can you tell me what an AU is?

[Anonymous]

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@missgaonmymind wrote:
Can you tell me what an AU is?

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I think he/she meant AR, which means a SP account review. 

[Jimp2323]

AR.  I need to get my granddaughter to teach me how to type on this phone....grrrrrr

[missgaonmymind]

Lol, thanks!