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Approved but disappointed

tag
gdale6
Moderator Emeritus

Re: Approved but disappointed

Grats on your new Navy card Smiley Happy

Message 11 of 37
Rebuild2019
Valued Contributor

Re: Approved but disappointed

Congratulations 🎈🎉🎊🍾 on your approval. When I was approved for the Platinum earlier this year I was allowed to move some of my CL around so the card was useable for me. Since then NFCU has given me a CLI on the Platinum.

CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards Plus | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | AAA Daily Advantage | US Bank Cash+ | Wells Fargo Reflect | Citi Costco Visa | One Pay Cash Rewards | BofA Customized Cash Rewards Visa Signature | Wells Fargo Personal Loan | NFCU Auto Loan
>Starting Scores 05/2019: EQ:519, EX:525, TU:574

CLOSED : Capital One Quicksilver One | OpenSky |

BUSINESS CARDS: Amazon Business Prime AMEX
Message 12 of 37
ChargedUp
Senior Contributor

Re: Approved but disappointed

Congrats on the new NFCU card. Give it time and it'll grow nicely!

Message 13 of 37
KingRue8500
Senior Contributor

Re: Approved but disappointed

Congrats on your NFCU Platinum Visa approval




Message 14 of 37
dcp0524
Regular Contributor

Re: Approved but disappointed


@coldfusion wrote:

@M_Smart007 wrote:

@Steveo777 wrote:

Congratulations on the new card! Sometimes it's about max exposure they want to have. Pretty sure they might transfer that CL to one of your other accounts if you ask, as I believe I've seen others post about it. If it were me personally, I'd be picking up the phone and  try to find out why the last card approved is so low and if I could not recon that, then I would ask to move the CL to one of the other cards you have with them.


Just FYI, I have been denied twice for moving limits between cards/credit reallocation.

Even told them I was going to do a balance transfer. Still No soup!


Yes, it was never officially sanctioned but they would often do it if asked, but there have been a number of reports over the last few months of requests to reallocate limits among cards being denied. 


I tried to move 10k of my 20k CR over to my MR and they told me the card that is losing some of its limit needs to be over a year old. I had literally just opened the CR days before I ask. 

 

I've heard straight no from some that have ask and I've heard 1 year from others as well so take that for what it's worth. 🤷🏻🤷🏻

I won't know until July 1st 2022 I guess. 

Total Revolving: $159,800 - Utilization: less than 1%

Bank/Loans:

Future Apps:

04/27/2023
FICO 8 - EX: 744 | TU: 772 | EQ: 763
VS 3.0 - EX: 759 | TU: 792 | EQ: 811
Message 15 of 37
Total80sKid
Senior Contributor

Re: Approved but disappointed

Congrats on your Platinum approval 👍🏼

Message 16 of 37
Anonymous
Not applicable

Re: Approved but disappointed

Congrats! Usually the 3rd navy card has smaller SL from what I read from here.  I was lucky to be approved two navy card with large SL. However, the 3rd one is also smaller. So I keep using it for next 3 months and they auto cli for another $2000. You never know if you keep using it for another 90/91 days you can ask for a double cli if they not giving you auto cli first. Good luck!

Message 17 of 37
Anonymous
Not applicable

Re: Approved but disappointed

Since you had the HP you should keep the card. Ask for a CLI down the road

Thanks

Mark

Message 18 of 37
MyFault
Valued Contributor

Re: Approved but disappointed

Congrats on your NFCU approval!




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Message 19 of 37
Thammer
New Contributor

Re: Approved but disappointed

That's been my experience as well. First card was the cash rewards, got a 5k siggy. Second app was the Flagship and I got tripple that. Third card less than the cash rewards. I think I've just hit my internal cap with them. I've also got savings and an auto loan through them as well.

Message 20 of 37
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