NFCU CLI Request

[pizza1]

@ TRC...

It's not that unrealistic when you know that navy counters, so might as well ask for the max for a SP which is $25k, and btw... I've managed my rebuilding very well thank you, and all the cards I have now, were IIB as well, except for my 3 majors I have. I think it depends on ones over all credit profile, and how motivated they are. I burned GE and Comenity bad in BK, and yet they have me cards 3months afterwards again, the same cards too. I was aggressive in my rebuild, and btw... Navy increased my card from $500 CL to $10k after only 3 months nothing in the credit game is unrealistic.

[TRC_WA]

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@pizza1 wrote:
@ TRC...

It's not that unrealistic when you know that navy counters, so might as well ask for the max for a SP which is $25k, and btw... I've managed my rebuilding very well thank you, and all the cards I have now, were IIB as well, except for my 3 majors I have. I think it depends on ones over all credit profile, and how motivated they are. I burned GE and Comenity bad in BK, and yet they have me cards 3months afterwards again, the same cards too. I was aggressive in my rebuild, and btw... Navy increased my card from $500 CL to $10k after only 3 months nothing in the credit game is unrealistic.

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Cool.

Getting toy limit cards from subprime lenders burnt in a BK happens every day... Not all that uncommon.

Getting a $25k limit from any lender less than a year out of BK7 is what I was talking about when I said it was unrealistic.  

CU's are pretty forgiving... As long as you didn't burn them.    Banks are much more difficult to crack.

[Creditaddict]

Asking for the $25k is just the way many of is have found the best results with navy computer instant counter... Just didn't work in this case :/

[NYFan63]

I actually called in the CLI request- maybe that was my mistake??

[baller4life]

Send a secure message and make sure that went through. That happened to me. I called in the request and lending team never got it and I had to resubmit it.

[Creditaddict]

I prefer online, I don't particularly like the reps at navy

[NYFan63]

when i initially app'd they declined me, I sent a letter with the payment plan the biz has with the state and they approved me as an "exception" (their words) in March.  They also indicated " It is advisable to establish a history of at least 6 to 12 months on your account." 

So I sent a nice response back reminding them this is a business sales tax lien under a payment plan and asked if they woudl recon for a CLI of $5k to put me at $10k, same as my Barclay Arrival card.  Waiting to hear back, but I do not have my hopes up...

[NYFan63]

WAHOO!!! I just received an SM from NFCU - they reconsidered and approved me for a $5k increase to a total Cl of $10k!!  NFCU is the best!!

[Creditaddict]

Haha, congrats

[alvon123]

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@NYFan63 wrote:

WAHOO!!! I just received an SM from NFCU - they reconsidered and approved me for a $5k increase to a total Cl of $10k!!  NFCU is the best!!

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Congrats!!!!