I woke up Saturday to my NRewards generating an automatic CLI to $500(from $200). Yay! Unexpected, but based on DPs posted by users, I felt like I had a 50/50 chance.
I then took a gamble and applied for the More Rewards card....at around 4:20am. Read that your approvals get processed a bit faster and you're more likely to get an approval after 10pm. And since my 5 yr old woke up screaming after a bad dream, I was already awake, so...🤣🤣
I apply on the app, get the 24-48 hour message and I'm like....well, if I get it, I get it. If not, I'll try again in April. No biggie. I get a text alert at like 4:50-ish. It didn't say anything initially(no decision information), so I then go and check my email and literally GASPED/almost teared up. This is THE highest SL I've EVER had. And considering my BK, I honestly didn't expect anything like this. Not THIS soon.
The info on this forum has been invaluable in my rebuild. I didn't join right away, but I've lurked from before my BK discharge in August 2019. The DPs listed have been SO helpful. Now, I'm going to garden. I said that before but it's official official now.
NFCU rocks!
DPs: TU is currently 631(Ex is 664, Eq 655). I'm 15 months post-BK discharge, and my first NFCU card was opened September 2020. I opened my saving and checking accounts in June 2020, and they're my primary accounts. I hit my 91/3 on 12/4, but the first increase showed on my account 12/5. It was also listed on my 12/4 statement.
Aggregate usage amongst cards under 20%. Shorter limit cards higher(like Indigo, which I'm closing TODAY), but I typically PIF by the end of the month with all except one. One card has a regular balance( my CO Quicksilver, which had my highest CL prior to my approval).
Positive payment history since BK. AAoC is around 10.5 years(student loans are like 19 years). AAoA 8 years. DTI: 3%. Oldest card around 15 months. Steady, consistent employment for 10 years; income $70,818, with yearly 2% increase.
Congratulations on your CLI and approval!
Well done, grats on a very nice new card and to the CLI on the other 
Congratulations 🎉 that's a fantastic approval & SL!!!
