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Federal Credit Union 2.5x CLI!

YoshiX
Member

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
maestro07
Frequent Contributor

Re: Federal Credit Union 2.5x CLI!

Congrats!! Keep up the good work!!

FICO 8: TU-775 EX-778 EQ-781 Total Credit Limit: $757,500
Message 2 of 8
YoshiX
Member

Re: Federal Credit Union 2.5x CLI!

Thanks! Will do.


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


Message 3 of 8
CJ7
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
Musiclover
Super Contributor

Re: Federal Credit Union 2.5x CLI!

Congratulations!


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover..
Message 5 of 8
Vegas4Play
Valued Contributor

Re: Federal Credit Union 2.5x CLI!

Congrats to you !!!

Fico 8's TU 756/ EQ 754/ EX 743- 8/2020// AAoA 5.7 years // Lines August 2020 = 619k Personal - Business 61k // Inquiries 6 TU - 0 Exp - 0 Eq.
Message 6 of 8
RonM21
Valued Contributor

Re: Federal Credit Union 2.5x CLI!

Welcome and congrats!
                

Total CL: $314.7kUTL: 2%AAoA: 6.8yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | DISC-40.6k | PENFED-38.4k | AMEX-37k | LOWES-35k | ALLIANT-25k | BARCLAYS-15k | CITI-13.7k | CHASE-10k

Message 7 of 8
alextercero
Super Contributor

Re: Federal Credit Union 2.5x CLI!

Congrats

Current Credit Cards


Currently rebuilding as of (May 2021)
Starting Fico Scores 8:

Current Fico Scores 8: (Dec 2021)

Credit Age:

Inquiries:


Message 8 of 8
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