@Jfpruitt wrote:Built my credit scores to 740s-805 in
About 6 months. Only had 3 cards previous w Cap1($500), Cred1($300) and
Merrick($1000). I did ALL THE
NECESSARY steps for NFCU, and they only approved me for $500! My income is 6 figures, so I got a preapproval from Chase in the mail. I was bummed after NFCU and applied for the Sapphire Preferred. Instantly approved for $5k. Not a lot compared to most, but I'll definitely take it for sure. I just don't understand why I've done everything to raise scores, get a good salary, AND build a relationship with NFCU yet got practically nothing in return. While others
with a lot less salary and scores approved for higher limits of $20k-30k immediately. Make it make sense??? Now I'm wondering if I should switch to chase all together or stick it out with NFCU. BTW, since I also prequalified for all of the Chase cards, I'm wondering if I had picked one of their other top-tier cards with minimum limits of $10k, would I have been approved for more or just denied.
I mean a credit history of 3 cards in 6 months doesn't really warrant a high CL card to be fair
Chase taking a flyer on you for whatever reason (you bank with chase as well?) doesn't make NFCU wrong for only giving you $500, I wouldn't take it personally
even low income people can eventually grow to $80k with NFCU and I wouldn't take the low CL as a reason to cut ties with them completely
congrats, consider closing the credit 1 and merrick cards, you truly don't need them now.
