So I have looked over the credit line increase information and here is my awesome results!
Wife and I both have seperate Navy Federal Accounts
Opened up with them about 9 months ago, each of us picked up $500 secured nRewards Visa's...ran $400-500 through them each total, then havn't touched them since.
I applied for a Go Rewards about 6 months ago(scores in the middle 600's. Approved for $12,700. Applied for $15k CLOC at same time, approved for entire amount.
At same time, I had my wife apply for the same two cards above, declined for both. She still had two unpaid collections(I had no unpaid collections)
A week ago decided to give it a go with my wife's and she applied again for both the CLOC and a Go rewards. She was approved for $22,700 on the Go Rewards, and approved for the full $15k CLOC! They did ask for tax returns(around $200k income combined).
Since she got $22,700 and I only had $12,700 but I had no outstanding collections, decided to ask for credit line increase. Asked for $25k, Got $25k!
I noticed at the same time that they graduated my 1 year old nRewards to an unsecure card and put the $500 back into my savings account, and had raised my limit to a woppping $1,000. I asked via secure messaging how to get this higher, as I can't do anything with a $1k limit. They told me to request credit line increase on the website. I did and at the same time I replied back with a copy of my tax return(figuring they might want this as I requested a $50k limit. They didn't give me $50k, but within 2 hours had a reply and my new line on that $1k unsecured card is now $15k!!
So, in about a week, between my wife and I, got increases on our credit lines for a total of $15,000+22,700+14,000+12,300= $64,000 additional lines! I love NFCU!
Next step is to wait fo rmy wife's nRewards to graduate(should graduate next month) and ask for a $25k limit, see what they come back with
@Anonymous wrote:
Just check...
I could burn an INQ failing at Citi to get a report for denial of credit. 
The anticipation of AR is strenuous!