My first NFCU card was a Go Rewards with a starting limit of $3,000 at 12.99%. I've put $2k through the card in the last three months.
My third statement closed on Saturday (more than 91 days) and I applied for the More Rewards American Express. I was instantly approved with a starting limit of $500 at 18%. I'm shocked. My credit has only gotten better since joining. TU score is 725, last late payment was over 2 years ago (30 day), no collections or bankruptcies, not too many new accounts, only TU inquires are from NFCU. I sent a message asking them to do a second review. Waiting for a response on that. The representative I spoke with on the phone told me that they're about 3 weeks behind on answering secure messages. I'm worried that I forgot a zero when I entered my income information. That's the only thing I can think of. Any other reason why this would be? I usually see the second card much higher and my profile definitely supports a higher credit limit (6 figure income and good credit score).
On the up side, my Covid 4K was approved. I can see $7,000 out of $3,000 available on my NFCU app.
I applied for the new card then CLI
Congratulations on your Navy success
#GO NAVY!
Grats on your covid CLI and the new card
Always possible you entered your income incorrectly and that can be updated when you have the review of the SL done, if not then there is something in your current profile that they dont like.
