NFCU CLI

[Anonymous]

Touche.  I have said in other threads that these FICO scores are very much like a drug to some people.  You dangle that carrot and someone will come a-runnin'.    But I say I want more mostly in fun -- I was commited to spending the rest of the winter gardening but this I couldn't resist.  

[Anonymous]

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@Anonymous wrote:

Touche.  I have said in other threads that these FICO scores are very much like a drug to some people.  You dangle that carrot and someone will come a-runnin'.    But I say I want more mostly in fun -- I was commited to spending the rest of the winter gardening but this I couldn't resist.  

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Achieving I feel the same way. I always want more!

[jlitnns]

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@Anonymous wrote:

Seems none of us are ever satisfied. More more more! I want so much more

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lol, we are a greedy bunch always looking for CLI's

[Mace]

Congrats OP.

How long after the 24hr message did your CLI show online?

[Anonymous]

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@Anonymous wrote:

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@CreditInspired wrote:

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WooHoo Achieving!!!!!!!!!!

Instead of thinking, "Ugh now I really really hate that I didn't think to ask for it before," think that your patience paid off -- BIG TIME!!!

Congratulations.

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Ahhh, I'm on to you.   

Well I'm nothing if not a realist, so I am ok with it being because I didn't think about it.  There are just so many nuances to this rebuilding game.  I'm learning there is probably nothing worse than being a perfectionist with no patience, ADHD and bad credit. 

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Amen...nail on the head...describes me well.

[Anonymous]

Navy! Another one on my radar screen. Gotta wait til June ugggh!

[Anonymous]

Wow! That's awesome!! 

Congrats!

[Anonymous]

I guess Im curious what NFCU's criteria is.
I had a secured Visa initially $500.00 then I added a hundred in November for a CLI. On January 31st they released my deposit and raised my credit limit to $2,000
Which I thought was amazing. I took the five,hundred returned and applied for a secured mastercard.
Now Im wondering if it would behoove me to ask for a CLI on the first card, and if so do I wait 90 days from the day the deposit was released or 90 days from the first statement closed. I dont carry a balance on either card and CRA's report it as 7% utilization. The only "fly in the ointment" that I see is my income right now is SS retirement while Im looking for work, well that abd the first card is under a year old. Comments?? Suggetions??

[Anonymous]

I would probably slow down a bit.  You're opening up a bunch of new cards (even secured) which changes your AAoA and AoYA.  If you aren't carrying a balance but show a 7% util then you should probably work on timing your payments a bit more so that you don't have a balance on whatever day NCFU reports.  That'll help, altho anything under 8.9% is pretty good -- it will still contribute to your overall util.  I personally would wait at least 90 days between opening accounts.  I made the mistake of opening five Amex cards on the same day, duh, what a dumb move.  I thought oh well, no more hard inquiries, get em while they're hot.  Took me a year to recover from that.  

Building credit is a waiting man's game, which really sucks because if anything I'm the most impatient person in the world - but slow and steady wins the race, it's a marathon not a sprint, etc etc.

[Anonymous]

???? A bunch?? maybe you misunderstood?? This is a grand total of two cards one Visa one Mastercard, both with NFCU. I have no other cards