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AMEX GOLD and NFCU Cashrewards Approval

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Regular Contributor

AMEX GOLD and NFCU Cashrewards Approval

Credit Details:

  • (647 EX FICO / 654 TU FICO / 638 EQ FICO all from ExperianCreditWorks Premium)
  • 0% Revolving Utilization
  • Student Loans Totaling 40k rehabilitated with good history
  • (2) Paid Charge-off's reporting closed
    • AMEX BCP PIF Charge-off (December 2018)
    • Chase Freedom Settled for less then full Charge-off (January 2019)

Approved today (02/23/19) for NFCU Cashrewards Signature Visa with 15K SL

  • I currently have (1) Checking Account that is (2) years old with an average daily balance of 5k and no overdrafts ever!

Approved today (02/23/19) for AMEX GOLD Charge Card

  • Nothing furhter to report other than PIF Charge-off

Questions

  • NFCU CLI to 25K at 3rd statement cut or 91-92 days with account open?

 

I will say I was lucky and AMEX seemed to be in a good approving mood!

7 REPLIES 7
Frequent Contributor

Re: AMEX GOLD and NFCU Cashrewards Approval

Welcome! Congratulations on your approvals! 👏🏾

06.2019

03.2018

NFCU CLOC: $15,000
Message 2 of 8
Community Leader
Mega Contributor

Re: AMEX GOLD and NFCU Cashrewards Approval

Congratulations 

EX 759 EQ 774 TU 753


Message 3 of 8
Community Leader
Super Contributor

Re: AMEX GOLD and NFCU Cashrewards Approval

Congrats on your two new cards NFCU in particular usually doesn't disappoint around here. If you don't get your answer about the NFCU CLI question check out this thread below and ask your question there. Someone will chime in to help.

 

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Thread-for-CLI-and-Additional...

Message 4 of 8
Super Contributor

Re: AMEX GOLD and NFCU Cashrewards Approval

Congratulations!

 

I am not so sure that you will be successful getting a CLI to 25K after 91 days and 3 statements with NFCU but it doesn’t hurt to try. Quite often, NFCU doesn’t like to give CLIs so soon on large SLs like that and is much more likely to budge at 6 months. 



01/2019:
10/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 5 of 8
Community Leader
Super Contributor

Re: AMEX GOLD and NFCU Cashrewards Approval

Very nice approvals. Just to add, contrary to popular belief, what one has in their Navy checking has no correlation to what they receive in credit. Income and dti are most important. 25k is possible but more likely in 6 months. However, when requesting your cli shoot for the full 25k , they counter if they cant approve fully and you are eligble.
#ChaseCreditCardHobby Enthusiast
2022
!
Message 6 of 8
Regular Contributor

Re: AMEX GOLD and NFCU Cashrewards Approval

Thank you!

 

I will probably just wait 6 months before requesting a CLI with NFCU then seeing I have the AMEX Gold to keep my UTI % low (Charge Card wont impact UTI such as a revolver).

Message 7 of 8
Senior Contributor

Re: AMEX GOLD and NFCU Cashrewards Approval

Congratulations on your new cards!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 8 of 8
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