Official NFCU CLI Guide

[nitrov]

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@Slim1Der wrote:

They pulled EQ and I was a 702 at the time. MyFico Monitoring told me that the inquiry took me down a point! 

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I think that's probably the best value for 1 little point you could possibly ask for! Wow, I'm hoping I get as lucky as you did with their generosity. $40k in 3 months would be awsome, but $40-something on one card now would be MIND-BLOWING! 

Amazing how NFCU makes you feel like you won the lotto just by giving you credit you have to pay back! 

[Chilli]

Is it normal for NFCU to SP within 2 months...they sp'd me on 7/2 and again on 9/2. 

[dursty87]

I have the same dates for sps from NFCU 7/2 and 9/2. My 4th statement is about to cut I'm just too chicken to request CLI. However my income went up 12k annually since applying for the card.

[Creditaddict]

Why

[dursty87]

LOL. Well I have an auto loan with them as well that is going to be paid off next week. I traded it in and I owed roughly 22k on the loan. Do you think having that paid off and closed out will play any part in getting an increase? If so I will wait til Monday/Tuesday.

[Creditaddict]

I bet the increase is already in the system

[dursty87]

We will put it to the test on Monday.

[Pharoe33]

So I need some advice.

I have two credit cards from NFCU that are now at 100% utilization. Both have credit limits of 15K. I was given credit increases last December on both that took them from 10-K to 15K.

right now I'm really trying to pay these cards down and get my credit back on track. I want to know would it be worth it to request an increase on both to lessen my total utilization while I'm trying to pay them down? My ficus are 596 eq 611tu and 589ex. Any advice?

[Creditaddict]

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@Pharoe33 wrote:

So I need some advice.

I have two credit cards from NFCU that are now at 100% utilization. Both have credit limits of 15K. I was given credit increases last December on both that took them from 10-K to 15K.

right now I'm really trying to pay these cards down and get my credit back on track. I want to know would it be worth it to request an increase on both to lessen my total utilization while I'm trying to pay them down? My ficus are 596 eq 611tu and 589ex. Any advice?

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CAPITAL NO! (sorry, navy is giving but $30k 100% maxed looks like you are drowning and more credit is only going to push you over the edge) your lucky that it's navy and they rarely take adverse action against credit they have given because a 596 doesn't qualify for $30k even on a good day with navy... the only thing you can do is call and see if you would qualify for lower APR's, you can do that once a year per account with no credit pull... maybe that would help pay things down faster.

[nitrov]

I got turned down for a recon on increasing my 2nd new CL stuck with $5k on that one. Hoping in 3 months I can get some luv button luck and get a bump close to the $20k on my Flagship