NFCU Cash Rewards VISA Approval Now what?

Tictoctech · ‎09-20-2020

Ok so approved for $15,000 NFCU Visa Sig. But I have a $1100 NFCU Amex also.Now the rep said that I could move some of the that limit to the Amex if I wanted. I wonder if it would be smarter to split it between the two cards. Or just maybe wait some months and maybe the Amex limit would move up to match the Visa. What do you guys think ? thx

rostrow416 · ‎09-20-2020

Do you need more on the Amex? You can always CLI that one. I don't have a second card yet, but I use my MoreRewards all the time. If I can't get a decent CLI on it at 91/3 but got a second card with a bigger credit line I could transfer, I would do it. If I didn't use the MR much, I probably wouldn't bother and just increase it through CLIs.

gdale6 · ‎09-20-2020

Grats on your CR card

spiritcraft1 · ‎09-20-2020

@Tictoctech wrote:
Ok so approved for $15,000 NFCU Visa Sig. But I have a $1100 NFCU Amex also.Now the rep said that I could move some of the that limit to the Amex if I wanted. I wonder if it would be smarter to split it between the two cards. Or just maybe wait some months and maybe the Amex limit would move up to match the Visa. What do you guys think ? thx

Try for a CLI first. It is a SP.

$30k, approved for 15k 10/11/21 @ 807 EX FICO 08 - 61 day 2x cli

$15k, approved after 2 weeks 5/21 @ 698 EX FICO 09 Bankcard

$19k, started as a $5k secured card in 2016 @ 408 FICO, unsecured 12/18 @ 600 FICO

$10k (10/23) @ 785 TU08 - Denied, Approved after Recon

$10k - approved (12/19) at $1k @ 648 FICO

Biz |

Business $9k - 04/06/21 @ 686 SP FICO, 61d 3x CLI to $9k

Business $28k - 07/6/21 @ Instant 689 SP FICO

Business $15k - 03/1/22 @ Instant 795 SP FICO

$15k Biz 2% card, approved after 5 days 7/21 @ 685 EX FICO 09 Bankcard, 93 Biz EX score

$25k Biz instant approval 10/21 @ 790 EQ FICO, 99 Biz EX score

$23k Biz instant approval, ID Verification 10/22 @ 802 EX FICO

$14k Biz instant approval 10/22 @ 802 TU FICO

Elan Hawaii National Bank Biz Visa- $8k instant 10/22 @ 806 TU FICO

US Bank Triple Points Visa - $20k in branch 11/3/22 @ 809 TU FICO, 1/12 new accounts, no USB history

Elan Business Visa from Midland Bank for new LLC, Instant $17k 11-22

PNC Business Visa for new LLC, $15k, took a week. EX 820 HP! 11-22

FNBO Evergreen Business MC for new LLC, $13.7k, instant EX HP 805 EX BC09 4-22

Chase Ink Premier $8.8k Flex, $44k Spend, instant EX HP 756 | 09-23

Barclays AA Business MC - Measly $2k SL but got the 80k Sub, 819 TU | 03-23

Current F08 -

Current 2,4,5 -

Current F09 -

No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k, B&H Photo, $5k

CreditAggie · ‎09-20-2020

Congratulations on your NFCU Cash Rewards approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (April 2024):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

AllZero · ‎09-20-2020

Congratulations on your approval!

M_Smart007 · ‎09-20-2020

Congratulations on your Approval..

Credit4Growth · ‎09-20-2020

@spiritcraft1 wrote:
@Tictoctech wrote:
Ok so approved for $15,000 NFCU Visa Sig. But I have a $1100 NFCU Amex also.Now the rep said that I could move some of the that limit to the Amex if I wanted. I wonder if it would be smarter to split it between the two cards. Or just maybe wait some months and maybe the Amex limit would move up to match the Visa. What do you guys think ? thx
Try for a CLI first. It is a SP.

*** attempt this ^^^ online or through the mobile app, not over the phone ...

Over the phone will increase odds of the CLI being HP

Credit4Growth · ‎09-20-2020

Congratulations on the Visa Signature approval!

Go Navy! And good luck with you CLI attempt!

cashorcharge · ‎09-20-2020

Enjoy that new card! Congratulations!🎉