Navy Federal super disappointing SL :(

[Noximus03]

Check the link for the DP's on my initial CL fight, and results......with a discharged BK, btw. And, while I was typing this, I just got approved for another NFCU card (GoRewards) for $15k, and I requested a CLI on my current card. Hope the info in my thread helps any of you, but it did work for me, as always YMMV. Good luck!

https://ficoforums.myfico.com/t5/Credit-Card-Applications/NFCU-Visa-approval-but-low-CL-reconsiderat...

[Anonymous]

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@AverageJoesCredit wrote:
Next Navy AR should be in March

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Thanks. I was planning to try for the CLI then anyway, but that clinches it.

[cinnamongirl]

Nice Job on raising your scores Standby!!  I'll be interested to hear your results when you pull the trigger!

[cinnamongirl]

thank you ngoaa!!  I got ansty and pulled the trigger on the CLOC--got the full 15K approval.  Now, come on people. I know it's different underwriting departments but still laughing over my 1k cc SL.

I will wait somewhere from 3-6 months depending on my angst. In the meantime, I'm building a better, stronger relationship with NFCU so hopefully my cc will see some love ! 

[Noximus03]

Eff that, recon that mess. State your case and get your proper SL!!!

[Anonymous]

I know I'm a day late and a dollar short on the age of this thread, AJC, but I was looking at my SP's on EQ and see that they are being pulled monthly for AR. Is this a new policy or do the ARs that really matter only come on odd numbered months? Are the even numbered pulls for FICO scores only? Thanks

[Anonymous]

In a similar boat with my spouse. She walked out with 1k SL last week. 

A fico score is just one piece to the puzzle. Same with AAOA or utilization. My wife has a score that is higher then mine with a cleaner file but my file is much much thicker than hers. I walked out with 7800. 

I was very much so underwhelmed but 3-6 months history with Navy can be all the difference. I'll be crossing my fingers for you as I am for my wife. I'm sure you both with see some monster limits as we continue through 2019.