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Recon NFCU Plat Approval for higher SL

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Established Contributor

Recon NFCU Plat Approval for higher SL

Anyone have tips for this? Just submit request via the private message app online? We received instant approval for $15k - want to shoot for $25k. 

Started 6/6/2018 EX - 588 ; EQ - 667 ; TU 575

Updated 12/2018


Message 1 of 15
14 REPLIES 14
Valued Contributor

Re: Recon NFCU Plat Approval for higher SL

Does you DTI support a $25K SL? That is the question I would ask, which is what NFCU considered when they approved you for $15K. 



















Your FICO credit scores are not just numbers, it’s a skill.

Message 2 of 15
Established Contributor

Re: Recon NFCU Plat Approval for higher SL

I'm well under 30% on a 6 figure salary after living and auto loan. 

Started 6/6/2018 EX - 588 ; EQ - 667 ; TU 575

Updated 12/2018


Message 3 of 15
Community Leader
Super Contributor

Re: Recon NFCU Plat Approval for higher SL

All you can do is try. Does DW have any history with Navy outside of the Plat CC? If not, they may want to see more payment history before raising the limit.
Message 4 of 15
Established Contributor

Re: Recon NFCU Plat Approval for higher SL

She’s had a checking account with them for around 6 years.
Started 6/6/2018 EX - 588 ; EQ - 667 ; TU 575

Updated 12/2018


Message 5 of 15
Community Leader
Super Contributor

Re: Recon NFCU Plat Approval for higher SL

Checking accounts and what you have in bank bear little weight in Navy credit decisions. Why not give it 3 months to build some history? Rome wasnt built in a day lolSmiley Wink
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Message 6 of 15
Valued Contributor

Re: Recon NFCU Plat Approval for higher SL


@AverageJoesCredit wrote:
Checking accounts and what you have in bank bear little weight in Navy credit decisions. Why not give it 3 months to build some history? Rome wasnt built in a day lolSmiley Wink

I think this is a good idea, just because they can see how you use the card, and maybe the chance will be more likely for them to give you the increase.

                               

Total Credit: $240,100Credit Utilization: 1%AAoA: 5 years, 7 monthsInstallments: Car Lease, Marcus LoanNegatives: 0

LOWES-35k | BOA-32.5k | AMEX-30k | DISC-27.1k | ALLIANT-25k | NFCU-25k | BARC-15k | BBUY-12k | CHASE-10k | WAL-10k | CITI-9.7k | PENFED-9.7k


Message 7 of 15
Established Contributor

Re: Recon NFCU Plat Approval for higher SL

Works for me - I've read that recons are nothing gained, nothing lost type of scenario. No? 

Started 6/6/2018 EX - 588 ; EQ - 667 ; TU 575

Updated 12/2018


Message 8 of 15
Established Contributor

Re: Recon NFCU Plat Approval for higher SL

GM asked a question about my history with Navy. I answered. Lol
Started 6/6/2018 EX - 588 ; EQ - 667 ; TU 575

Updated 12/2018


Message 9 of 15
Community Leader
Super Contributor

Re: Recon NFCU Plat Approval for higher SL

Give it at least 90 days, at 180 days she should be golden.
Message 10 of 15
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