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NFCU

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AllZero
Mega Contributor
‎09-16-2019 02:09 PM
‎09-16-2019 02:09 PM

Re: NFCU

That was a quick application. I thought you had to wait.

Congratulations on your approval.

You can try to recon. Send a secure message with two paystubs.

If recon not successful, wait 91 days and 3 statements to apply for card # 2.

You got the one with "training wheels". Hopefully, after they get to know you, you'll be rewarded with a higher SL.
Message 11 of 24
SFLSpotter9210
Valued Contributor
‎09-16-2019 02:16 PM
‎09-16-2019 02:16 PM

Re: NFCU

I appreciate that. I’ll use it and PIF every month. How soon will it be to ask for a CLI?
NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 9,400 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay Apple1k | Citi Rewards+ 12,100 | Citi Double Cash 14,800 | Citi Simplicity 7,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Discover 19,500 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 6,000 | Chevron 2,500 | Fico 8 Scores EQ=764 | EX=775 | TU=757scores and CL current as of 04/04/24 AAoA years 24 months | AoOA=18yrs
Message 12 of 24
AllZero
Mega Contributor
‎09-16-2019 02:24 PM
‎09-16-2019 02:24 PM

Re: NFCU

Wait time for CLI is 91 days and 3 statements. However, since you received said SL, I would recommend 6 months.

ETA CLI usually are hard pull EQ. Get ready to build a graveyard. Navy is hard pull happy.
Message 13 of 24
SFLSpotter9210
Valued Contributor
‎09-16-2019 02:26 PM
‎09-16-2019 02:26 PM

Re: NFCU

What do you think causes such a low limit? Maybe inquires I’m my EQ report spooked them? Well I sent them a secured message asking some questions about the credit limit they issued me. See what they respond with. Thanks again for all your replies.
NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 9,400 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay Apple1k | Citi Rewards+ 12,100 | Citi Double Cash 14,800 | Citi Simplicity 7,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Discover 19,500 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 6,000 | Chevron 2,500 | Fico 8 Scores EQ=764 | EX=775 | TU=757scores and CL current as of 04/04/24 AAoA years 24 months | AoOA=18yrs
Message 14 of 24
AllZero
Mega Contributor
‎09-16-2019 02:31 PM
‎09-16-2019 02:31 PM

Re: NFCU

You're welcome.

When requesting CLI, ask for max 25k. Navy will counter. They might do 3x your current limit. So temper expectations.
Message 15 of 24
Anonymous
Not applicable
‎09-16-2019 02:32 PM
‎09-16-2019 02:32 PM

Re: NFCU

I have the same issue. They gave me $500 CC and $500 CLOC. I was so PO'd because I felt like those 3 inquiries were a waste. LOL... I have had them almost 4 months now and will be trying to "get bigger" on Dec 6th when I hit that 6 month mark. If you haven't already read up on NFCU here on myfico then you should because there is a ton of knowledge here.

Message 16 of 24
SFLSpotter9210
Valued Contributor
‎09-16-2019 02:33 PM
‎09-16-2019 02:33 PM

Re: NFCU

Eh I’m not going to sweat it. I’m sure it will grow. I may have just jumped the gun and applied to early. I may apply for another card at the 91 day time frame and go from there.
NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 9,400 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay Apple1k | Citi Rewards+ 12,100 | Citi Double Cash 14,800 | Citi Simplicity 7,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Discover 19,500 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 6,000 | Chevron 2,500 | Fico 8 Scores EQ=764 | EX=775 | TU=757scores and CL current as of 04/04/24 AAoA years 24 months | AoOA=18yrs
Message 17 of 24
SFLSpotter9210
Valued Contributor
‎09-16-2019 02:36 PM
‎09-16-2019 02:36 PM

Re: NFCU

Yes I have and continue to read the 1,000’s of pages so much intel. Well I’ll wait for the 91 day window and see what I’ll do. It’s not really a huge deal breaker as I’m just paying down my debt now I have. And wanting to get to 0 balances across all cards. Which isn’t going to take long. I’m fairly new at the myFICO forum and very satisfied with what I’ve already learned thus far.
NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 9,400 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay Apple1k | Citi Rewards+ 12,100 | Citi Double Cash 14,800 | Citi Simplicity 7,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Discover 19,500 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 6,000 | Chevron 2,500 | Fico 8 Scores EQ=764 | EX=775 | TU=757scores and CL current as of 04/04/24 AAoA years 24 months | AoOA=18yrs
Message 18 of 24
AllZero
Mega Contributor
‎09-16-2019 02:41 PM
‎09-16-2019 02:41 PM

Re: NFCU

@SFLSpotter9210 wrote:
What do you think causes such a low limit? Maybe inquires I’m my EQ report spooked them? Well I sent them a secured message asking some questions about the credit limit they issued me. See what they respond with. Thanks again for all your replies.

It's hard to figure out Navy. They are all over the place with approvals and staring limits.

 

You'll soon receive a letter from Navy. It should state your internal score and reasons.

 

Like most credit unions, they value length of membership, direct deposits, savings, and other products like certificates, etc.

 

Good luck on your recon!

Message 19 of 24
SFLSpotter9210
Valued Contributor
‎09-16-2019 02:43 PM
‎09-16-2019 02:43 PM

Re: NFCU

Thanks again for your knowledge with NFCU. I’m happy with starting a new relationship with them and seeing it grow will be nicer.
NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 9,400 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay Apple1k | Citi Rewards+ 12,100 | Citi Double Cash 14,800 | Citi Simplicity 7,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Discover 19,500 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 6,000 | Chevron 2,500 | Fico 8 Scores EQ=764 | EX=775 | TU=757scores and CL current as of 04/04/24 AAoA years 24 months | AoOA=18yrs
Message 20 of 24
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