DISCOVER IT, NFCU, CLI

MsSWS · ‎02-21-2020

Reached my 91/3 with NFCU Cash Rewards on 2/12/20...Decided to app for a 2nd card...Applied for the More Rewards and was instantly approved for 20,000!! Ecstatic & no one to gloat too...Kept reading the forum(everything NFCU..lol). Equipped with more knowledge decided to push the love button on my NFCU Cash Rewards... Asked for 6,900 increase ...was countered with 6,000 making my new limit 19,100!! Still Ecstatic!...NFCU is the bomb! I've never received so much trust from an institution.. Been banking with Georgia's Own and Bank Of America for years and never seen the love like this...((never established credit though.. Paid cash for everything)))...

Looking to continue to build my credit profile, credit mix..(( Though I appreciate my gracious limits with NFCU, lil ole me may never see this kinda love)).. I thought I should app for another card outside of NFCU that may give me a decent limit.. So it could grow and mature with my New More Rewards....

Been receiving offers in the mail from Discover It.. Decided to read up on it in the forum...Equipped with knowledge and a feeling of hope.. I did the prequilify... Was Prequilifed for the Chrome and Discover It.. Went for Discover It...But like others on the forum(no instant answer) I Had to submit verification ( DL and SS)..still no answer... Several minutes later, received a text to contact them..call or contact them through the message chat..(didn't really feel like talking,was in bed trying to be discrete..Lol, appreciated the message chat option) .. After more verification..(my DOB) . I was approved for a 5,000 limit!!!

Im on the build and have been doing well managing.. I just can't thank this forum enough!! So many smart and knowledgeable people who don't mind sharing their experiences!! The advice and knowledgeable here is unmatched!! I've been teaching my family and friends the things I've learned here!! I'm so blessed to be here!! Thank you.

EQ:632 (10/28/19)
TU:670 (10/28/19)
EX:659 (10/28/19)
Georgia's Own Classic Visa Secured (2016 ) $200sl, Graduated unsecured (2017) $500cl,(2019 cli $1,500
TJX Retail (7/19)$800sl TJX Upgraded Mastercard(03/20)4,000cli
Quicksilver One(7/19)$500sl (01/20)cli of$250$750cl
BOA Cash Rewards (part secured 99/500)(9/19)
NFCU Cash Rewards
(10/19)$13,100sl.+6,000cli(02/20)$19,100
NFCU More Rewards American Express(2/2020) $20,000sl
Discover It(02/20) $5,000sl

Traveler101 · ‎02-21-2020

Big Congrats!

AllZero · ‎02-21-2020

Congratulations on your CLI and approvals!

DoctorManhattan · ‎02-21-2020

Congrats !!🎉

Anonymous · ‎02-21-2020

Congrats on your new approvals and CLI! Navy is pretty awesome!

M_Smart007 · ‎02-21-2020

Congratulations!

19eighty5 · ‎02-21-2020

Congratulations!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

Meanmchine · ‎02-21-2020

Congrats !

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching

ocheosa · ‎02-21-2020

Congratulations! Woo hoo!

[7/26] Scores 8/9: 800s. Util: ≤ 1%. AoOA: 18.4y, AoYA: 7m. New Acct: 1/12, 2/24. Inq/12: EQ 0, EX 1, TU 0.
TCL $741K: Personal $600K, Business $141K.

Streetervillelady · ‎02-21-2020

Congratulations!