Normally wouldn't post or share after an approval, but I've gotten so much value from this forum hopefully my DPs can help other members as well. I signed up for NFCU on 4/15 and wasn't sure if I should wait to apply for a credit card right away, or let the account age a bit. I also floated the idea of starting to deposit funds every week, but ultimately decided to just apply for a card.
On Friday 4/30 I decided to pull the trigger on the NFCU Cash Rewards card, unsure of whether I should expect a $1000 limit that I've seen some newer members get, or the $20k limit others have received. After submitting the application, I was instantly approved for a $5000 SL.
Somewhat satisfied but feeling like I left some on the table, I sent a secure message outlining the stronger areas of my profile and requesting reconsideration for a higher limit. This morning, I received the following message from NFCU:
Thank you for your message. Every member of Navy Federal is important to us and we value your membership. We conducted a second review of your application for reconsideration.
Upon further review, we have reversed our decision. The new credit line on cashRewards Visa account is $23,100. If we can be of any further assistance, please let us know.
This is the first time I've used the reconsideration line for any bank application, and I wouldn't have known to even do this if not for this forum. Big thank you to the MF fam that drops knowledge every single day and allows for things like a $5k -> $23,100 limit increase to happen without a hard pull!
DP: NFCU pulled my Transunion report with a 748 Fico 8 score -- 10 inquiries (2 in the last 12 months) -- 1% Util -- (1) 30 day late that's 2+ years old, additional 30 day lates on a few older + closed accounts. Newest account is a Discover card opened 12 months ago.
Not sure if I missed anything, but feel free to ask away!
