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Federal Credit Union 2.5x CLI!

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Federal Credit Union 2.5x CLI!

First time poster, but I have been learning so much from this forum in the past two months – thank you all. Last week, I bit the hard pull and requested a credit limit increase with my local federal credit union, and this morning got approved for a new limit of $5,000, from $2,000!

 

This card started as a $300 secured card a couple years ago, when my options were severely hampered by bad credit, and it sat at $500 for a year and a half. In April, I got proactive and applied for a CLI, which was approved at $2,000. I was shocked! This is another big step forward.

 

I hope this news helps my recent application for the Ink Plus with the 70k UR bonus. I unsuccessfully recon called twice, and a Chase analyst mentioned that, along with many recent inquiries, my reconsideration was hindered by my highest limit being $2,000 (this credit union card). I hope another recon call in a couple weeks will help reverse their decision. Would love feedback on this as well. Fingers crossed.


Starting Score: 466
Current Score: 676
Goal Score: 800


7 REPLIES 7
Frequent Contributor

Re: Federal Credit Union 2.5x CLI!

Congrats!! Keep up the good work!!

FICO 8: TU-787 EX-768 EQ-757 Total Credit Limit: $647,750
Message 2 of 8
Member

Re: Federal Credit Union 2.5x CLI!

Thanks! Will do.


Starting Score: 466
Current Score: 676
Goal Score: 800


Message 3 of 8
Frequent Contributor

Re: Federal Credit Union 2.5x CLI!

Wait until the CLI reports to EX and EQ before the recon Smiley Happy


Message 4 of 8
Community Leader
Super Contributor

Re: Federal Credit Union 2.5x CLI!

Congratulations!


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover..
Message 5 of 8
Valued Contributor

Re: Federal Credit Union 2.5x CLI!

Congrats to you !!!

Fico 8's TU 777/ EQ 784/ EX 767 - 2/2019// AAoA 4.3 years // Lines 2/2019= 510k Personal - Business 52k // Inquiries 8 TU -10 Exp - 10 Eq.
Message 6 of 8
Valued Contributor

Re: Federal Credit Union 2.5x CLI!

Welcome and congrats!
                               

Total Credit: $240,100Credit Utilization: 1%AAoA: 5 years, 7 monthsInstallments: Car Lease, Marcus LoanNegatives: 0

LOWES-35k | BOA-32.5k | AMEX-30k | DISC-27.1k | ALLIANT-25k | NFCU-25k | BARC-15k | BBUY-12k | CHASE-10k | WAL-10k | CITI-9.7k | PENFED-9.7k


Message 7 of 8
Super Contributor

Re: Federal Credit Union 2.5x CLI!

Congrats



EX08 658 EQ08 664 TU08 672 Total Credit Line: 63,550Utilization: 19.4%Inquiries: EQ8 EX11 TU11
Message 8 of 8
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