Official NFCU CLI Guide

[watch44]

Got an instant 7.5k CLI on my goRewards MasterCard last night! This was my 3rd Navy approval back in October 2013 with an initial CL of 1k which got recon'ed to 5k. Now it's at 12.5k after asking for 15k.

Overall util is under 10 with some months carrying a balance.

Navy has extended me 40k in revolving credit on 45k proven income in 6 months (but I've been a member for 15 years without a credit relationship). It's good to be part of the family! :-)

[OneDay_750]

NFCU Rocks!  Thank you for sharing.  Can't wait till my 3rd statement cuts.

[babyeyes00]

WHOAAAA!  Thats awesome.  I only have a signature visa and navcheck with NFCU.....you are tempting me, maybe I should try for another card.  I hear great things about their other products.

[Creditaddict]

What's your current limits on those 2 and how long you had them?

[ambivalent]

I forgot to add this when I did it!  Silly me!

I got an nRewards card in maybe Nov 2012 and received my first CLI in January.  I was feeling frisky and asked for an increase to 6K on Friday.  When I logged in on Saturday, there it is!  I'm so stoked!  I keep logging in to look at it because it seems so surreal.

I clicked the link to go into the Member Mall and did not realize alllllllllllll the stores you could get extra points in!  I ordered some stuff from Sephora.com for my husbands birthday this coming Saturday. Saves me a trip to the mall AND I get 6x points!!!  I'm also thinking of getting him some headphones from Bestbuy.com (2x points) and using the store pickup option.  I love NFCU!  I'm going to use this card for EVERYTHING!

[babyeyes00]

Creditaddict...are you asking me?

Ive had the visa since late november...just recently asked for a conversion to signature $15K  and Navcheck $10K

[divedeep]

I figured I'd add my story here. Yep, first post, but been lurking a while as I clean up my credit. I have a number of bad history TL's from >2 years ago, including a student loan default that I've since rehabilitated. The student loans are the most numerous of my bad history since it is broken down into 19 trade lines. :-/ I also have a satisfied judgment in 2011 from a medical bill. Basically, my son passed away and debt was furthest from my mind so I let everything go to the wayside. He would have been 10 this year. Sad story aside, I have 3 other cards - 3800 from Barclay, 1300 from Cap1, and 1500 from Chase (Amazon). EQ through Scorewatch is 665. I have recently paid off my other cards, but I know only 1 is reporting 0 balance, the others are up at about 70% util. After everything reports, I will be at roughly 2-3% util.

I joined NFCU today through my brother who is active Marines. I applied for a cashRewards almost immediately after setting it up and... instant approval for $21,000 limit. I was quite literally blown away. Never in my life had a limit that high. I tried a NavCheck but got the hour review. No big deal, and I assume I won't hear anything until Monday, but I'll repost back with the results. My intention is to let this settle, possibly try for an auto refinance in a month or so since the rate on my auto is insane. After that, sitting tight for a year when we plan on purchasing a new house. I make good money, 6 figures.

Anyway, I know how everybody loves a good success story, so here's mine. Thanks to everybody for their posts to this thread, and a big toast to second chances. :-)

[Jamielei24]

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@wolfie2012 wrote:

I figured I'd add my story here. Yep, first post, but been lurking a while as I clean up my credit. I have a number of bad history TL's from >2 years ago, including a student loan default that I've since rehabilitated. The student loans are the most numerous of my bad history since it is broken down into 19 trade lines. :-/ I also have a satisfied judgment in 2011 from a medical bill. Basically, my son passed away and debt was furthest from my mind so I let everything go to the wayside. He would have been 10 this year. Sad story aside, I have 3 other cards - 3800 from Barclay, 1300 from Cap1, and 1500 from Chase (Amazon). EQ through Scorewatch is 665. I have recently paid off my other cards, but I know only 1 is reporting 0 balance, the others are up at about 70% util. After everything reports, I will be at roughly 2-3% util.

I joined NFCU today through my brother who is active Marines. I applied for a cashRewards almost immediately after setting it up and... instant approval for $21,000 limit. I was quite literally blown away. Never in my life had a limit that high. I tried a NavCheck but got the hour review. No big deal, and I assume I won't hear anything until Monday, but I'll repost back with the results. My intention is to let this settle, possibly try for an auto refinance in a month or so since the rate on my auto is insane. After that, sitting tight for a year when we plan on purchasing a new house. I make good money, 6 figures.

Anyway, I know how everybody loves a good success story, so here's mine. Thanks to everybody for their posts to this thread, and a big toast to second chances. :-)

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May not be Monday. I applied for LOC last Friday for the BF and we replied and sent documents all through the weekend with NFCU, $10k line of credit. Applied for full $15k and they countered. Also applied for flagship and he got $8500 instant approval. His fico EQ 656. Got credit letter thing in mail from NFCU  today and they had 656 listed so very accurate from myfico.

[Jlu]

I find it hard to believe that you are all military or have family retired/active duty.

How are you guys getting 'in' with NFCU? Is there a loophole? I'm in with PenFed but they are no where near the level of NFCU unless you're > 780 FICOs.

What gives?

[watch44]

No loopholes. You don't get to be a world superpower by having a small military.

The US DOD is the largest employer in the world. There's over 3 million people (including active reserves and civilian employees) employed by the DOD currently according to Wikipedia.  As a frame of reference, we have less Wal Mart or McDonald's workers in the US.