I started my NFCU journey 12-01-2020 with a 1k starting limit Cash Rewards Card.I have previously applied for 2 CLIs on this card and had been refused for the reason my "internal limit has been reached." I read that a 2nd card can reap a higher SL so applied for the GO Rewards and approved again for 1k. In 91 days, and 3 statements I applied for a CLI and was approved for 3k. I was happy with that. Tuesday of this week I again applied for a CLI on the Cash Rewards and since I hadn't received an increase as of this morning I called in and was told I was denied again! What's up?
For fun I checked the NFCU prequalify page and was good to go for all cards. I know the NFCU preqaul is iffy but I decided I'd go for the Flagship since the worst that could happen is I'd take a hard hit but I'd rather that than another 1k toy card since the Flagship is 5k minimum. Also my 3rd and last card. I filled out the app, hit submit and waited for the denial. BOOM! Approved for 20k!!! I was shocked! NFCU really IS the best!!!
Data points: Transunion 8 679 (don't know my Trans9) $82k income, 10 Trans inq but I think 5 in the last year, all baddies now about 5yrs old and perfect since then. No bankrupcy. Believe me I am stoked and really have no need for further CC apps after recently receiving a 10.8k SL on an AMEX Schwab investor card plus the current Flagship 20k approval I am now at about 70k total. Thanks so much for all the help and advice I've received in this forum. I'd never have reached this point without your help. THANKS!
