NFCU - First card and approval after 24/48hr message

[cashorcharge]

That's great! Congratulations on your approval!!

[coreyb80]

Congrats on the approval!

[dudefromtx]

Congrats on your approval!

[Anonymous]

Thank you guys much appreciated - does anyone know about recconing the original credit line with NFCU and if it's a good idea to try? I've seen people say they have had success but not sure if it will ruin my chance of getting a nice big limit on the second card 

[FinStar]

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@Anonymous wrote:

Thank you guys much appreciated - does anyone know about recconing the original credit line with NFCU and if it's a good idea to try? I've seen people say they have had success but not sure if it will ruin my chance of getting a nice big limit on the second card 

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IMO, it's a pretty decent approval, especially in the context of those recent negatives (anything within the past 24 months) that in their absence would've likely achieved a higher SL (all things considered).  I'd let sleeping dogs lie and wait for the CLI opportunity as others have suggested and/or a 2nd card.  It's easy to get caught up on other's achievements but it can also backfire.  Of course, ultimately your decision if you decide to pursue a reconsideration on the SL though.

[growthadvocate]

Congrats on the approval @Anonymous 

Thanks for all of the DP's.  Quick question; do you happen to know your "Navy score?"  

[omnicron]

Congrats. I'll add my 2 bits, I did a app 2.5 months ago with navy and only got a 1k sl. I have no baddies and a TU Fico9 758 now, 680ish then ( I think). I tried to recon my sl and they did not budge. With your 3k approval I would been happy. Heck I started working on my credit 4 mo ago with low 600's, 5k in total revolving credit to now increasing my scores to the mid 700's and 50k in revolving. I can get no credit with penfed and navy is scittish with me, yet a local cu gave me a 10k sl. My thought would be, with your baddies, Be happy with it and go forward with a cli and new app after your 3rd statement.