Finally got the problems with NFCU membership worked out, went into branch on Monday 8 May and funded savings and checking.
On 5/10 I decided to app for CC. Got 1 day wait, manual review.
Today at 7 a.m. I had still not recieved email about approval or denial, but logged into NFCU and there is a new account with a $5500 limit and $12 fee applied for expedited processing. (I tend to be impatient).
I was hoping for a larger line of credit so I could transfer the balances on several of my cards to one card.
My question is this, since I do not have an official, in my hand, letter/email saying it is approved is it possible for me to contact them and ask for a recon on a higher limit? or will it just be a blanket NO? I don't want another HP and since they just did a manual review, that should count as the AR, right?
P.S. as I was typing this I got a notice that FEDEX package was just signed for from Columbus Ohio that was given to FEDEX last night at 5:27 p.m. and since i had no packages due, I can only imagine it is the card. Going to go to pick it up soon.
You can always ask but it's very likely you will be told they need to see some history with your current limit first. Give it 90 days and 3 statements with them and hit the CLI button and you'll likely be rewarded handsomely if you treat them right. Congratulations on the approval! NFCU rocks and they will take care of you if you treat them right!
Thanks CF, that is what I thought.
I may try it. The FEDEX package was my card so the 12 bucks was well spent. so I have to call an activate I might try then.
It is what I thought. As i mentioned I may try, but my hopes a bit dashed... patience is not my strong suit
thanks, I had to put stuff on my other cards due to the tornado's that hit us not to long ago so overally my UTI is about 24-26% with a couple cards in the 70% range. I was hoping for (and obviously did not get) a high enough initial limit to move some stuff to a lower interest rate card.
As it stands instead of that I will just payoff the other cards as quickly as I can before I CLI with NFCU, and keep this card clean-ish so when I do CLI it should show usage and payment history, but still be able to pay off the others.