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NFCU CashRewards CLI at 1 year post BK

wantitgone
Contributor

NFCU CashRewards CLI at 1 year post BK

My BK was discharged in early July last year. I then applied and was approved for the nRewards Secured, which graduated in January to $2k limit. I didn't know if I would be eligible for a CLI because of my BK and having read they limit those of us with BK until 2 years post BK.

 

But on Sunday, I asked for an increase to $5k. I spend a lot on this card, I pay 2-3 times a month. I used to PIF right after statement cut but with things as they currently are, I've been carrying ~20% on the card (still paying off ALL the statement balance to avoid interest).

 

Anyway, yesterday I thought for sure they denied me, but I woke up this morning to see my CLI jumped... $500.

 

It's better than zero, LOL. Either way, I'm looking forward to next summer when I'm 2 years post BK and will haven't gotten any new credit & can apply for a second card! Smiley Very Happy

FICO 8 on 5/31/19 ~~ EQ: 608, TU: 545, EX: 585
BK 7 DC 7/9/19
FICO 8 on 04/02/21 ~~ EQ: 684, TU: 670, EX: 667
FICO 9 on 04/02/21 ~~ EQ: 678, TU: 683, EX: 691

Apple Card 1,500
Credit One Amex $1500
Williams Sonoma $1,250
NFCU CashRewards $2500
NFCU Flagship $12100
PenFed Pathfinder $10,000
Ollo Rewards Mastercard $1,700
Amazon Store Card (Synchrony) $700

EQ FICO 9 from NFCU on 04/03/21: 678
AAoA: EQ - 8y4mo, TU - 8y4mo, EX - 5yr7mo (as of 09/26/20); INQ are 5 EQ, 5 TU, and 1 EX.

Auto Refinance with NFCU (04/29/2021): 16.7k for 4.79%/48 months

My DPs: mainly 1099 worker w/ ~3500/mo income, 1 private student loan and 2 federal consolidated loans ~75k IBR, had perfect payment history with 0 derogs until 90 day lates prior to filing BK. Burned Sync (Carecredit, Newegg), Discover IT, Cap 1 (2 cards), Chase (2 cards), Barclays, Comenity (Wayfair) and Target.
Message 1 of 16
15 REPLIES 15
givemecredit54
Valued Member

Re: NFCU CashRewards CLI at 1 year post BK

Congratulations! Mine just graduated this month. Waiting for that $20-25k card, not that I even need that much but man would it feel good to see and have! They told me I've reached their max credit limit(for now at least) but hey, $6k with them across 2 cards with only 6-7 months credit history so I guess I can't complain hahaha....Smiley LOL







Message 2 of 16
gdale6
Moderator

Re: NFCU CashRewards CLI at 1 year post BK

Grats on getting an early CLI Smiley Happy

Message 3 of 16
AllZero
Super Contributor

Re: NFCU CashRewards CLI at 1 year post BK

Congratulations on your CLI!
Message 4 of 16
J-Marr
Valued Member

Re: NFCU CashRewards CLI at 1 year post BK

Congrats !! 

Treat Navy good and they will take care of you for life !


Message 5 of 16
mrcraft
Valued Contributor

Re: NFCU CashRewards CLI at 1 year post BK

Congratulations on your CLI!!






Message 6 of 16
coreyb80
Valued Contributor

Re: NFCU CashRewards CLI at 1 year post BK

Congrats on the CLI!

Message 7 of 16
M_Smart007
Epic Contributor

Re: NFCU CashRewards CLI at 1 year post BK

Congratulations on your IncreaseSmiley Happy

Message 8 of 16
CreditAggie
Senior Contributor

Re: NFCU CashRewards CLI at 1 year post BK

Congratulations on your NFCU Cash Rewards CLI!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 9 of 16
M_Smart007
Epic Contributor

Re: NFCU CashRewards CLI at 1 year post BK


@givemecredit54 wrote:

Congratulations! Mine just graduated this month. Waiting for that $20-25k card, not that I even need that much but man would it feel good to see and have! They told me I've reached their max credit limit(for now at least) but hey, $6k with them across 2 cards with only 6-7 months credit history so I guess I can't complain hahaha....Smiley LOL


@givemecredit54 

 

Congrats on the Graduation and CLI's.

I read your other post, I would wait 6 months time,

then if you are inclined to APP for another Navy card, your chances will be a lot better.

In the future if you are going to Apply for a new card, do it before you ask for a CLI on your other cards.

Once approved, then ask for CLI's on the older cards. If you do it in reverse, you will bump up against,

"Maximum Internal limit timeframe" ..

Message 10 of 16
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