NFCU CLI Question

[charmcity]

I currently have a $6k FlagshipRewards, used auto loan, have paid off 2 personal loans (1500 & 2500) with NFCU. Never late.

My wife and I opened a joint CashRewards card the other day (she was the primary applicant, I was co-applicant) and were instantly approved for $25K.

I want to apply for a CLI and LOC in early April, once my scores update with low utilization.

Does NFCU factor joint credit at all in their decisions? When they see my $25K joint card, will they be more apt to increase my limit, or will I just get the standard bump I would for the lower utilization.

[Creditaddict]

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@charmcity wrote:

I currently have a $6k FlagshipRewards, used auto loan, have paid off 2 personal loans (1500 & 2500) with NFCU. Never late.

My wife and I opened a joint CashRewards card the other day (she was the primary applicant, I was co-applicant) and were instantly approved for $25K.

I want to apply for a CLI and LOC in early April, once my scores update with low utilization.

Does NFCU factor joint credit at all in their decisions? When they see my $25K joint card, will they be more apt to increase my limit, or will I just get the standard bump I would for the lower utilization.

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I suspect the higher limit joint card will help you.