Denied again CLI from NFCU

[Anonymous]

My BK was discharged 8/2015 and the next day NFCU gave me a $500 cash rewards card after recon.  In October I applied for a second card and instantly approved for $1700 nrewards.  

I have charged the limit on the cash rewards card every month and PIF except for one month, in December, left a $150 balance on it.   I have left balances on the nrewards card, I needed to really use the credit for my new job...

November - $600 bal.

December - $1000 bal

January - $1600 bal.

February - $1000 bal.

March 5th will show $0 bal.

So I tried for CLI in November, 3 months after having the card - the cited the BK for the denial.

Tried again in January (this was stupid as all my balances were high, 62% util, all but one card reporting a balance) denied for excessive obligations.

6th statement just cut and tried again, util was down to 22% on only 3 cards, the other 8 had 0 balance. Denied.

I read all over this site how fast and soon NFCU gives out CLI's.  I guess now since I have paid both the cards to 0 balance, and actually come March. I will be under 10% util. 

Should I try again in March for a cli on the cash rewards card? or wait even longer?

[Anonymous]

i would wait. you can't take other people's success and try to determine your success based on that

[Anonymous]

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@Anonymous wrote:
i would wait. you can't take other people's success and try to determine your success based on that

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Good advice and LOL at your Sig!! Good one!

EDIT: And yes, it was on "They Live."

[hpotterfan77]

I'm actually surprised you got a 2nd card.  I tried and they declined me.  Kind of jealous of that alone...lol  I have been able to get a increase on my nRewards card but only after recon and sending in paystubs.

[Anonymous]

You reconned the CLI? Maybe I should try that. ...

[hpotterfan77]

Yes.  I told them that they were the only ones who wouldn't budge on my CL after 3 months and explained that Cap 1 had raised both of my limits already.  Once I told them this, they asked for paystubs and then raised it the next day.