Official NFCU CLI Guide

[Creditaddict]

I don't think you need a 680 Fico by any means before asking for a credit line increase but get utilization under 50%

[Anonymous]

Thank yall

[Creditaddict]

Especially if you're using both the credit card and the line of credit

[irunfromcredit]

Quick question.  So my card reached 90 days but only 2 statements cut. I didn't actually start using the card until late July.  Anyhow, I asked for a CLI and was granted an increase.  My new CL is $20k.  Was wondering when do you suggest I ask for the next increase?  Is it another 90 days from today?  Or 6 months?  I am hoping this CLI was a SP.  It was immediately approved and I had my first AR on 8/30. Thanks for this awesome thread.

[Creditaddict]

That's a big cl so I'd wait 6 months if your hoping for sp

[irunfromcredit]

Oh I should note, that my initial SL was $16,100 so a $3900 increase. Yes I will wait 6 months from today to ask for another CLI. Ideally I would like to open one more card with  them..and from what I understand I should wait until my first card has aged some and my CL is $25k?   Again, thanks for startingt this thread....Great info in here!  

[Anonymous]

You don't have to wait until your one card is at $25K to get a second card or PLOC or both. I got a $25K instant limit with NFCU and I'll be applying for the PLOC next and then the Flagship Visa after three months (Dec-2016) of having the first card.

[irunfromcredit]

I do have the CLOC, opened it with the CC back in June.  I am thinking about applying for the Platinum at the end of the year. Part of me wants to do it now, but I opened a few accounts in May/June/July and would like them to age some before I open another account and then close the accounts that have served their purpose.  

[Anonymous]

Did you get the full $15K on PLOC?

[irunfromcredit]

Yep, got the full $15k.