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yesterday my third statement cut for my nfcu platinum visa, which put me at 96/3. SL was 6800 and I have charged ~1000 through it always PIF. applied for the credit limit increase through the website. I asked for 25000 and forget the exact response, but something along the line of request being reviewed.
three minutes later got a notification from ck about a new inquiry on EQ. I thought, darn, they just revised my fico 9 score on 4/4 at 780.
logged in to my account three minutes later and I see that my "credit limit" is still 6800, but my "available credit" is now 16800. almost 10 hours later I have not received anything and my experience in the past has been usually they respond good or bad within a few hours.
I am tempted to apply for the cashrewards now because I did not get the 25000 and there is a SUB. but I really do not need any other cc. in any case, the cashrewards overlaps my chase fu and even if I PC to gorewards in the future, that overlaps my bofa cash rewards.
I also thought about the CLOC, but am a little turned off because I applied for 15000 the day I joined and was flat out denied, no counter offer.
I feel like I have built a relationship as I have 9000 in a savings share making minimal interest and a visa buxx card for my teen.
my credit report already has two installment loans, below are my revolvers, no lates no derogs.
any thoughts?
bank | lim | bal | (m) age |
chase | 2300 | 0 | 137 |
capone | closed | by me | 136 |
chase | closed | by me | 133 |
merrick | closed | by me | 131 |
dell | 4000 | 0 | 83 |
barclay | 5000 | 0 | 65 |
discover | 19500 | 0 | 55 |
thd | 750 | 0 | 49 |
citi | 6400 | 5600 | 36 |
bofa | 20000 | 0 | 31 |
navy | 6800 | 0 | 3 |
9/2022 $30000 | 8/2020 $20000 | 12/2018 $30000 | 8/2016 $30000 | 3/2016 $21000 | 5/2014 $20000 | 10/2007 $8900 |
Congrats on $10k CLI !!!!!!
it will show up the next day or so
Send NFCU a SM thanking for the $10K CLI and ask them for a reconsideration to a total of $25K.
happened to me as well...the CL was updated in 24-48 hours...then a letter was received down the road with explanation, if any, for not getting what you asked...
Congrats on the CLI! Like someone else heRe suggested, send them a thank you note via Secure Message and ask for a recon at the same time. Might get it!
YOU...
CONGRATS on the AWESOME CLI!!!
@Anonymous wrote:Congrats on $10k CLI !!!!!!
it will show up the next day or so
Wait...something’s missing here....
lol congrats, OP! That’s a heck of an increase even if it isn’t what you originally wanted.
@pinkandgrey wrote:
@Anonymous wrote:Congrats on $10k CLI !!!!!!
it will show up the next day or so
Wait...something’s missing here....
lol congrats, OP! That’s a heck of an increase even if it isn’t what you originally wanted.
your right i got so excited for him forgot my Leo haha
i just edited @pinkandgrey