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With this approval and starting limit, 2 thoughts come to mind,
"My profile is at max exposure with NFCU"
"Ummmm, submit recon and hope for the best!"
DPs.
TU pulled: 777 FIC0 8
UTIL: 3%
AAoA: 3 years, 5-6 months est.
Sig has the rest
769 ⋅ INQs: 6 | 774 ⋅ INQs: 5 | 764 INQs: 8 | UTIL: 2% | AAoA: 5yr 8mos | Total Credit Line: $873,950 |
"3rd NFCU card approved"
Congratulations, Pretty White Card!
Strange approval amount what is your exposure with NFCU? Their max unsecured for CC is now 80k. If you have reached that across your cards you are at max exposure otherwise ya either recon it or after 3 months hope for a sp cli by requesting it.
@CreditCuriosity wrote:Strange approval amount what is your exposure with NFCU? Their max unsecured for CC is now 80k. If you have reached that across your cards you are at max exposure otherwise ya either recon it or after 3 months hope for a sp cli by requesting it.
I beleive I'm at my profile's max with them but not their overall max.
Exposure previous to this card:
cash rewards: $40K CL
gorewards: $19K CL
CLOC: $15K CL
769 ⋅ INQs: 6 | 774 ⋅ INQs: 5 | 764 INQs: 8 | UTIL: 2% | AAoA: 5yr 8mos | Total Credit Line: $873,950 |
Didn't they kinda stick it to ya with the APR also? With 770s you'd think it would be 10% or less (unless 11% is the new minimum). With the cards you already have it looks as if you just got bored. Maybe you can move some money around from your other two Navy cards.
My strategy is I never want to screw Navy. A second and a third card just increases the chances of me missing a payment or losing a job and hitting hard times and not being able to pay them back on time. I'm quite content with my one $22k Cash Rewards card with its 10.15% APR.
@Anonymous wrote:Didn't they kinda stick it to ya with the APR also? With 770s you'd think it would be 10% or less (unless 11% is the new minimum). With the cards you already have it looks as if you just got bored. Maybe you can move some money around from your other two Navy cards.
My strategy is I never want to screw Navy. A second and a third card just increases the chances of me missing a payment or losing a job and hitting hard times and not being able to pay them back on time. I'm quite content with my one $22k Cash Rewards card with its 10.15% APR.
No bordem. Simply looking to have an everyday, no frills, low APR, no fee card. If Navy could consolidate, then I would.
769 ⋅ INQs: 6 | 774 ⋅ INQs: 5 | 764 INQs: 8 | UTIL: 2% | AAoA: 5yr 8mos | Total Credit Line: $873,950 |
Congrats on your approval !!!!
@Gmood1 wrote:
They will consolidate. I just product changed my GO rewards to a Platinum last Sunday. I want a BT no fee card with a high limit if I need it in the future.
Thank you! That's a PC, yes, but will they consolidate CLs as well?
769 ⋅ INQs: 6 | 774 ⋅ INQs: 5 | 764 INQs: 8 | UTIL: 2% | AAoA: 5yr 8mos | Total Credit Line: $873,950 |