NFCU Platinum Card

[MM40]

I just applied and was approved with a SL of 3000. I was a little surprised at how low it was due to having a 784 credit score, < 8% utilization, and high income. NO lates or any other bad info in my report. I have 175k if availiable credit across all major cards. I spoke with rep and she said just hit CLI in 3-6 months. This seems like a great bank with great rates. Hopefully the limit will grow in the future. Anybody elses situation would be appreciated. 

[cashorcharge]

That's great!  Congratulations on your approval!!

You can read about strategies and options with NFCU as well as timing and process for your CLI here: https://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Thread-for-CLI-and-Additional...

[gdale6]

Grats on your new platinum card

[adelphi_sky]

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@MM40 wrote:

I just applied and was approved with a SL of 3000. I was a little surprised at how low it was due to having a 784 credit score, < 8% utilization, and high income. NO lates or any other bad info in my report. I have 175k if availiable credit across all major cards. I spoke with rep and she said just hit CLI in 3-6 months. This seems like a great bank with great rates. Hopefully the limit will grow in the future. Anybody elses situation would be appreciated. 

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Hmmmm. Your profile sounds like mine yet they gave me $25k SL. What is your credit mix? I also had a $25k loan with them that I opened two months ago. Not sure that qualifies as "history" with them. It was also my first card. There must be something else? AoA? 

[MM40]

AoA is 6 years. I have no prior experience with NFCU. I do have a recent mortage on my CR that just started reporting from a purchase of a vacation home. That's the only thing I can think of. I will let it age and build the limit. 

[Anonymous]

Congrats! With your profile you should be hitting 25k soon.

[CreditMagic7]

Congratulations on your NFCU Plat approval!!

[SouthJamaica]

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@MM40 wrote:

I just applied and was approved with a SL of 3000. I was a little surprised at how low it was due to having a 784 credit score, < 8% utilization, and high income. NO lates or any other bad info in my report. I have 175k if availiable credit across all major cards. I spoke with rep and she said just hit CLI in 3-6 months. This seems like a great bank with great rates. Hopefully the limit will grow in the future. Anybody elses situation would be appreciated. 

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They usually give you a low limit for your first card.

But you can get CLI's later on, so don't worry about it.

It is a great credit union.  Their rates aren't necessarily better than many other credit unions, but their customer service is tops.

[AllZero]

Congratulations on your approval!

[Anonymous]

Excellent! Congrats!