You guys really know what you’re talking about!! I’ve been with NFCU since 2015 and currently have 2 cards, both with $10k limits. I’ve tried multiple times to get a credit limit increase and was always denied. Well, I was feeling froggy today so I jumped. Applied....came back with app was processing. I wasn’t surprised and figured it was a denial. Well, 20 minutes lapsed and I got a text stating that my application was approved!!!! I was ecstatic!!! I logged in to see the limit and was even more surprised that it was approved with a SL of $12,600!!! Look at God!!!
Data points:
FICO scores range from 658 - 661
Overall Utilization is at 31%
Usage on NFCU cards are at 54% and 73%
Have a LOC with a $5000 limit with them.
Bankruptcy discharged: May 2014 Starting Score: 571 Goal Score: 700
Current Score: 676 (EQ FICO) 674 (EX FICO) 662 (TU FICO)
Mortgage Loan Originator in Kentucky
I love NFCU. I only have two cards and use them both regularly. I would love to have a third card at some point. Enjoy!