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NFCU Approval + Recon Limit Increase

New Member

NFCU Approval + Recon Limit Increase

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! 
Message 1 of 34
Super Contributor

Re: NFCU Approval + Recon Limit Increase

Congratulations on your approval and reconsideration starting limit!
Message 2 of 34
Regular Contributor

Re: NFCU Approval + Recon Limit Increase

That is amazing! I opened my account 4/7 and have been dyinggggg to app. This gives me recon hope if sl is pitiful. 

Message 3 of 34
Community Leader
Super Contributor

Re: NFCU Approval + Recon Limit Increase

Congrats @fzahid786 - that's a fantastic recon result!

Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | PenFed PCR | Navy cashRewards | Navy Platinum | Apple | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)

Message 4 of 34
Mega Contributor

Re: NFCU Approval + Recon Limit Increase

Congrats! That's a crazy big recon success!

Message 5 of 34
Valued Contributor

Re: NFCU Approval + Recon Limit Increase

That is awesome! Congratulations!

Starting score - May 2018

April 2021

AAoA - 1 year 6 months
Message 6 of 34
Frequent Contributor

Re: NFCU Approval + Recon Limit Increase

Nice work! Congratulations on the approval! 🙂

Credit Cards, Loans & Store Cards

Bank and Credit Union Memberships

Available Credit - $10,600
Util: 16%. Inquiries: TU: 43 EX: 31 EQ: 22
Gardening Until: March 28, 2023
AaOA: 1 Year & 6 Months

Fico 8 Scores Current as of March 2021

Fico 8 Scores Post BK

Bankruptcy Discharged: November 1, 2019
Message 7 of 34
Valued Contributor

Re: NFCU Approval + Recon Limit Increase

Congrats on the Navy approval and successful CL recon!

Message 8 of 34
Valued Contributor

Re: NFCU Approval + Recon Limit Increase

Wowwwwww! That's an amazing turn around. Thanks for sharing and congratulations! What were the strong points you mentioned to them?

Message 9 of 34
Frequent Contributor

Re: NFCU Approval + Recon Limit Increase

Holy cow, you killed it on recon.  Congrats!

Amex Gold | Purdue FCU $20,000 | TFCU Plat Visa $12,500 | PenFed Platinum Rewards $10,000 | Synchrony Premier MC $10,000 | SG Visa $10,000 | NFCU MoreRewards $7,000 | NFCU cashRewards $14,000 | Discover IT $3,000 | Merrick Bank $2,700 | Comenity MasterCard $1,180 | Marvel Mastercard $1,200 | Capital One BuyPower $850

B&H Payboo Card $15,000 | Amazon Prime Card $10,000 | PC Richard Card $10,000 | Target RedCard $2,000 | Walmart Store Card $1,400 | Shell Gas Card $1,200 | Overstock Store Card $3,850 | Kohl's Store Card $2,500

C̶a̶p̶i̶t̶a̶l̶ ̶O̶n̶e̶ ̶Q̶u̶i̶c̶k̶S̶i̶l̶v̶e̶r̶ ̶$̶1̶,̶0̶0̶0̶ | C̶r̶e̶d̶i̶t̶ ̶O̶n̶e̶ ̶V̶i̶s̶a̶ ̶$̶1̶,̶2̶0̶0̶
Message 10 of 34
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