Hey all,
Been with NFCU since 11/15. About a year now. I have a 18k go rewards and the 15k navcheck credit line.
I have ran about 75k through the card in a year. I almost always pay it off every month.
So, I asked for a credit line increase to 30k. They called me and asked for proof of income. Is it as simple as that? Show the last 2 pay stubs and should be good?
My scores are 650's for all 3 bureaus. I am 2 years this month out of bankruptcy.
Another weird thing is my wife had a 6600 limit go reward card and the same 15k navcheck credit line but she asked for an increase to 25k and got an abrupt declined! She has no public records or lates and her scores are 670's! So, I was shocked. The only difference is she has a ccredit utilization of 70%, I have about 20-30% utilization. Not sure if that would be the deal breaker for her? She has only been with them since April, around 6-7 months...She called this evening and they said they mailed out her denial letter. She has bigger limits through wells fargo and bank of america so we really dont understand how they didnt give her an incease.
Anyways, is there any drawback to sending in paystubs? Or, go for it and hopefully they will increase me? Should I apply for a different card or no?
Thank you.
