Navy Federal Max Unsecured limit reached at 1K?

[Anonymous]

went for a CLI from Navy Federal..current limit is $1k. I have all 3 of my credit agencies frozen right now since I am gardening. I am 2.5 years post chap 7 bk. For fun I thought I would request a CLI from navy federal. I put in 24000 as the requested amount. I figured since the accounts are frozen and because most people get a soft pull from navy fed on their first cli request, I would try it. It came back with a wait and see message and I got a letter in the mail 4 days later saying I had reached the unsecured max... my question is, is this truly the max, or is it due to the credit freeze?

the navy federal is open with 0 balance (its about 5 months old). Had a 30% usage but paid it down over 3 months. Have 5k capital one and 5k pfcu also. credit score is in the upper 600s (685-695)

[Anonymous]

way too agressive of a CLI ask for NFCU with your stats and timelines

[AverageJoesCredit]

Not by a long shot. You have a little more restriction with your profile due to a bk being so recent. Just give it time. If 1k was max limit , 98% of myFico would be sporting Penfed cards, not Navy😂

[spiritcraft1]

I don't suggest doing this right now but you will very likely get more of what you want with that second NFCU card than trying for a CLI on your existing low limit card.  The second card will open the door a bit and will absolutely mean one shiny new TU hard pull!  

If it were me, I would give it a shot after you see that letter and your internal score.

[AllZero]

That's unfortunate. Just give it time.

[M_Smart007]

Welcome To myFICO Forums and

[Anonymous]

It took 18 months and 4 CLI attempts for NFCU to increase my $1,000 limit on my first card to $3,000. But they have no problem giving me a 2nd and 3rd cards with much higher starting limits.  

[M_Smart007]

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@Anonymous wrote:

It took 18 months and 4 CLI attempts for NFCU to increase my $1,000 limit on my first card to $3,000. But they have no problem giving me a 2nd and 3rd cards with much higher starting limits.  

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It is funny how Navy is like that on 2nd and 3rd base.

[Anonymous]

I actually did the 24k ask because others on this forum said that with navy fed you always want to ask for around 25k no matter what.

[Anonymous]

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@Anonymous wrote:

I actually did the 24k ask because others on this forum said that with navy fed you always want to ask for around 25k no matter what.

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You did fine.

Internal limits with Navy are fluid. I was just straightening up paperwork and came across a letter from navy saying I had hit the internal limit. That was 6 months and about 35K in CLI ago. 

If you want CL growth you'll probably need to unfreeze TU and go get a 2nd card.

Good luck.