Navy Federal Max Unsecured limit reached at 1K?

[Anonymous]

*update*

I applied for a Cash Rewards today since I couldnt get the CLI, and got a 10k limit at 18% APR!

woot!

[spiritcraft1]

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@AverageJoesCredit wrote:
Lol i know its not bad but im not being me if im not confident lol. Ill keep smashing the cli for Cash Rewards until i force them through sheer will to give me a 25k limit! If it ever happens , im gonna go🚀

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Has anyone seen a HP since this started last November?  This could become your next Disco!   

I might as well try again since I was shot down on my 4 year old GoRewards card (former secured card with no CLI ever) and only got $200 on my FS.  Time is on my side though as I approach becoming among the clean profile crowd.

[spiritcraft1]

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@Anonymous wrote:

*update*

I applied for a Cash Rewards today since I couldnt get the CLI, and got a 10k limit at 18% APR!

woot!

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See?  They are....  CRAZY!  Congrats.

With them it can be "no soup for you" and then "take this brother may it serve you well" all in the same day or two.

[AllZero]

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@Anonymous wrote:

*update*

I applied for a Cash Rewards today since I couldnt get the CLI, and got a 10k limit at 18% APR!

woot!

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Congratulations on your approval!

[AverageJoesCredit]

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@spiritcraft1 wrote:

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@AverageJoesCredit wrote:
Lol i know its not bad but im not being me if im not confident lol. Ill keep smashing the cli for Cash Rewards until i force them through sheer will to give me a 25k limit! If it ever happens , im gonna go🚀

---

Has anyone seen a HP since this started last November?  This could become your next Disco!   

I might as well try again since I was shot down on my 4 year old GoRewards card (former secured card with no CLI ever) and only got $200 on my FS.  Time is on my side though as I approach becoming among the clean profile crowd.

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Well it would be cool. Ive already achieved more then one should on my income. My last hp for a 3rd card  was denied due to max exposure but my last denial for CR cli was max exposure but more so that it had received a auto cli in past 6 months, what  Navy calls a change  to your account. I may try agsin when the scores are updated in Feb.  Also might bt over again maybe itll help my internal score. Good luck @spiritcraft1  when you go for next cli!

[Anonymous]

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@Anonymous wrote:

*update*

I applied for a Cash Rewards today since I couldnt get the CLI, and got a 10k limit at 18% APR!

woot!

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Congrats on your NFCU cashRewars approval!

[Anonymous]

Sweet! congrats on the 10k SL. Second NFCU cards are the way to go! We're proving that daily. Navy clearly buckets first cards for most users with any credit isues and treats second cards as though they belong to an entirely different profile. 

[spiritcraft1]

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@Anonymous wrote:

Sweet! congrats on the 10k SL. Second NFCU cards are the way to go! We're proving that daily. Navy clearly buckets first cards for most users with any credit isues and treats second cards as though they belong to an entirely different profile. 

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My former secured card that graduated a year ago is still at the original 5k since mid 2016.  I have (3) HP's and (1) SP since going above 600 spent trying for CLI's.  No soup for me...

[AverageJoesCredit]

Lol, Navy isnt Cap One. If they use buckets must be same as those famous $500 hammers and $300 toilet seats

[CreditInspired]

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@Anonymous wrote:

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)

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Yes, it is the max for your credit profile at this moment in time. It's based on your internal score, income, and debt to income. Your reports being frozen have nothing to do with NFCU's decision.