NFCU Cash Rewards with only 7 months history?

[Bees18]

Just curious what of starting limit NFCU gives out for shorter credit history if you have a clean file? I am an AU on a NFCU Amex with a higher limit but it's only about 4 months old. Would they considering the AU card in deciding limits or just go off my cards alone? 

Has anyone had good success getting a decent limit with navy with a short credit history or are you most likley most likely stuck with $500-1000 ?

[CreditInspired]

Need more info on what your overall credit profile look like.

[AverageJoesCredit]

No one can say. Navy is different than most lenders. You could have 500 scores and get 25k card while having cards with toy limits. Or they can just reject you. You will never know unless you apply. Just remember a $500 sl is not a kiss of death, it will grow with time, especially Navy where 3 months it can jump huge

[Bees18]

I have two credit card accounts, 7 and 6 months old. Current limits $500 and $500.

i have a SSL with Navy at 8% opened in June 

I am an AU on a 10k Navy card opened in Aug.

Util, 2% over all and either 0-2% per card.

scores are all around 770, no baddies or lates.

i know they grow, but I wanted at least a decent limit to take advantage of the 0% Apr promo they have going on without jacking up my utilization over the holidays. I'd also be scared of if I started off with a $500 it being bucketed and not having as good growth potential (like my cap 1 and disco).

Does Navy take on consideration AU accounts? 

[CreditInspired]

Okay, scores around 770 with no lates, no baddies, low UT—if this is accurate, try the prequal page for Discover. You may get a SL of $1K if your FICO scores are at 770.

[spiritcraft1]

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@Bees18 wrote:

I have two credit card accounts, 7 and 6 months old. Current limits $500 and $500.

i have a SSL with Navy at 8% opened in June 

I am an AU on a 10k Navy card opened in Aug.

Util, 2% over all and either 0-2% per card.

scores are all around 770, no baddies or lates.

i know they grow, but I wanted at least a decent limit to take advantage of the 0% Apr promo they have going on without jacking upmy utilization over the holidays. I'd also be scared of if I started off with a $500 it being bucketed and not having as good growth potential (like my cap 1 and disco).

Does Navy take on consideration AU accounts? 

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Unless I am missing something, it would seem that you would be in line for a nice starting limit with a Navy card.  Have you tried?

[AverageJoesCredit]

Navy doesnt bucket people. With a thin file you might find Discover or Amex suprise you with a bigger than normal sl, YMMV of course. If you dont hsve Disco, it might be nice to get double cash back and 0% apr . See what you are qualified for

[spiritcraft1]

I'd also be scared of if I started off with a $500 it being bucketed and not having as good growth potential (like my cap 1 and disco).

Does Navy take on consideration AU accounts? 

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It looks like OP has Discover and Cap1...  If I were a betting man, I would say NFCU gives up a SL 5K or higher here.  I guess stated income comes into play but OP is in a very good spot.