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APPROVED - NFCU Platinum SL 15k (2nd Card)

TheFIGuy
Established Contributor

APPROVED - NFCU Platinum SL 15k (2nd Card)

Hey myFICO Family,

 

**Updated: 05/26/19 

 

(tl:dr) Today was 91/3 (exactly) for my NFCU cashRewards Card SL 15K. Applied for NFCU Platinum card and approved for 15k SL, I wanted 25k very badly. I sent a SL Recon Message and will update with results. **NFCU Card Lending Department shot down my request to increase my starting limit off the original HP. They provided me the option to request a CLI, at that time NFCUCLD would look into the CLI within 24-48hrs. I respectfully declined, I assumed this would happen but wanted to atleast try.

 

  • Started NFCU Membership - 2017
  • Opened NFCU cashRewards Card 15k SL - 02/23/19—(Today is 3/91)
    • (647 EX FICO / 654 TU FICO / 638 EQ FICO all from ExperianCreditWorks Premium)
    • Income - 100k+
    • Revolving Utilization - 0%
    • Student Loans - 44k
    • DTI - N/A
    • (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)
  • Opened NFCU Platinum Card 15k SL - (EXACLY on 3/91)
    • (689 EX FICO / 696 TU FICO / 680 EQ FICO all from ExperianCreditWorks Premium)
    • Income - 100k+
    • Revolving Utilization - 3%
    • Student Loans - 44k 
    • DTI - 50%
    • (3) Paid Charge-off's reporting closed
      • AMEX BCP PIF Charge-off (December 2018)
      • Chase Freedom Settled for less then full Charge-off (January 2019)
      • American Honda Settled for less then full Charge-off (May 2019)

I have secure message recon for a higher SL. We will see what happens, you miss all the shots you don't take!

 

Message 1 of 9
8 REPLIES 8
Hasselfree
Valued Contributor

Re: APPROVED - NFCU Platinum SL 15k

Congratulations on your aproval and SL!  Also appreciate all the dp's you have provided.  Good Luck with obtaining a higher SL! 




"Your ego is writing checks your body can't cash".
Message 2 of 9
M_Smart007
Epic Contributor

Re: APPROVED - NFCU Platinum SL 15k (2nd Card)

NFCU Platinum SL 15k (2nd Card)

Message 3 of 9
FicoGuy2019
Frequent Contributor

Re: APPROVED - NFCU Platinum SL 15k (2nd Card)

Congrats!!

Message 4 of 9
CreditMagic7
Super Contributor

Re: APPROVED - NFCU Platinum SL 15k (2nd Card)

Congratulations on your 2nd NFCU card and approval. Nice job.

Message 5 of 9
VanderSnoot
Established Contributor

Re: APPROVED - NFCU Platinum SL 15k (2nd Card)

Gotta love Navy! Congrats, OP!

Message 6 of 9
Anonymous
Not applicable

Re: APPROVED - NFCU Platinum SL 15k (2nd Card)

Congratulations, $15K is impressive at 50% DTI! Navy is usually more focused on DTI than anything else!

Message 7 of 9
kapenten
Member

Re: APPROVED - NFCU Platinum SL 15k (2nd Card)

Congratulations on your approval!!! Ride that Navy Train!!

Message 8 of 9
pinkandgrey
Community Leader
Senior Contributor

Re: APPROVED - NFCU Platinum SL 15k (2nd Card)

Awesome SL! Congrats!

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Fidelity Visa: 2k
Apple Card: 1.5k
Message 9 of 9
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