@jawbrkr wrote:Capital One strikes again. They are always generous with starting CL.
The OP just has no patience for getting short-changed.
It's a lot like many of us in here 
@nrm wrote:
The pics say it all! I rarely travel, so a travel card is not my choice. However, I'm gonna have a short trip soon, thus a card without foreign transaction fee with a good benefit is in mind. Speaking of which, why not cashReward from Navy Federal over Quicksilver from CARP ONE? Look at what they did to me with an HP! I'm done with Navy Federal!
Thanks for sharing.
@nrm wrote:
The pics say it all! I rarely travel, so a travel card is not my choice. However, I'm gonna have a short trip soon, thus a card without foreign transaction fee with a good benefit is in mind. Speaking of which, why not cashReward from Navy Federal over Quicksilver from CARP ONE? Look at what they did to me with an HP! I'm done with Navy Federal!
Did you ever stop to think which FICO scoring model they use. I believe they still use the old FICO 4 scoring model. I struggle getting 675+ with FICO 4 but all my FICO 8 scores are over 700. And all your 700+ scores are coming from FICO bankcard scores (they dont even uses those scores for cars or mortgages) sorry but NFCU doesnt use that specifc type of report. Old FICO models tend to penalize you more for the dumbest stuff.
Also if you read alot of these post you will notice the amount of people getting hammered for excessive credit also. How much you make and if you can pay it back has nothing to do with the issues happening now. The banks want people to use the credit cards and now fighting back by lowering limits or shutting cards down. Looks like they are cracking down on credit card hoarders and those who love superior limits and never use them fully.
I'm even learning the limits to this, people like to play with the system but when it bites back people get bent out of shape. You have more than enough credit for your trip and with the amount you have with Citi I would use them. I dont get how someone can get upset over a credit union when you have 55+k invested with Citi and others are getting shut down because of to much exposure with 1 bank.
I feel ya NRM. Lol
There was a time I'd be happy with a one or two thousand dollar limits. Those days have passed. I like diversity and cards with usable limits for my household.
I don't have a problem telling a lender they can keep their card either, if I feel the card doesn't have the potential to grow with me.
Folks can call it whatever they want.. hoarding, etc. We put some real traffic on cards around here and I prefer not to pay the bill once a week. Why even bother using a CC if you can't take advantage of the payment structure?
Navy Federal will grow fairly quickly. In 90 days I'd wager you'll have that 5 figure limit. Not my favorite CU by a long shot but their cards do grow fast.
I'm trying to get where you are with Citi! Nice limits by the way!
There was a time I'd be happy with a one or two thousand dollar limits. Those days have passed. I like diversity and cards with usable limits for my household.
I don't have a problem telling a lender they can keep their card either, if I feel the card doesn't have the potential to grow with me.
Folks can call it whatever they want.. hoarding, etc. We put some real traffic on cards around here and I prefer not to pay the bill once a week. Why even bother using a CC if you can't take advantage of the payment structure?
Navy Federal will grow fairly quickly. In 90 days I'd wager you'll have that 5 figure limit. Not my favorite CU by a long shot but their cards do grow fast.
I'm trying to get where you are with Citi! Nice limits by the way!
my highest credit line is with nfcu at 19.5k visa and 15k cloc. no other bank will even come close. I would definitely try to recon that limit via secure message.
