NFCU increased my limit by $1000 on their own after my FICO score went up to 717

[Anonymous]

So it been a long time coming but my FICO scores are finally in pretty good standing  (717, 715, 714) with no lates or baddies and 2.5 yr clean history. I have a NFCU card with a $4K limit and as of last week, they randomly increased the limit by $1000. It took me by surprise since my utilization is high on that card and I was working on bringing it down to 20% utilization before asking for an increase to $10-15K.

Since this increase will drop my overall utilization, will this bump my scores up more? Also am I able to make my own request for another increase or should I wait 6 months? 

[Anonymous]

Congrats on your auto increase! How long have you had the card?

The increase will help your score, especially if it lowers your utilization to a new tier (ie below 48.9%). You should still be able to ask for an increase, but personally I would wait a couple months so they can see how well you use the new limit.

[M_Smart007]

Congrats on Your Navy Auto CLI

[Anonymous]

Congrats on your NFCU auto luv! 

[AverageJoesCredit]

Congrats on your auto Rare indeed. You can request anytime but may get the response of recent change to your credit card . You would have to spply to find out. I know if were Amex and you got auto, you could still request more as it wasnt customer initiated on their auto increase.

[Creditaddict]

Ask for $25, system will counter

[Medic981]

Congrats on NFCU auto luv ! ! !

[HighAchiever]

Congratulations!!!   

[CreditInspired]

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@Anonymous wrote:

So it been a long time coming but my FICO scores are finally in pretty good standing  (717, 715, 714) with no lates or baddies and 2.5 yr clean history. I have a NFCU card with a $4K limit and as of last week, they randomly increased the limit by $1000. It took me by surprise since my utilization is high on that card and I was working on bringing it down to 20% utilization before asking for an increase to $10-15K.

Since this increase will drop my overall utilization, will this bump my scores up more? Also am I able to make my own request for another increase or should I wait 6 months? 

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Congratulations on the auto CLI. Yes, when a NFCU card is heavily used and paid on time, NFCU tends to give auto CLIs. It has happened for me, my brother, and another friend of ours.

Yes, you can ask for a CLI at anytime, but count on a HP. But like another poster said, I would wait. IMHO, I think waiting 3 months is good.

[CreditInspired]

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@Creditaddict wrote:

Ask for $25, system will counter

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$25K