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nfcu 10000 cli?

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SlideOrInsert
Regular Contributor

nfcu 10000 cli?

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?

 

banklimbal(m) age
chase23000137
caponeclosedby me136
chaseclosedby me133
merrickclosedby me131
dell4000083
barclay5000065
discover19500055
thd750049
citi6400560036
bofa20000031
navy680003

 

capture.png

upgrade
9/2022
$30000
nfcu
8/2020
$20000
nfcu
12/2018
$30000
bofa
8/2016
$30000
citi
3/2016
$21000
discover
5/2014
$20000
chase
10/2007
$8900
Message 1 of 9
8 REPLIES 8
Anonymous
Not applicable

Re: nfcu 10000 cli?

Congrats on $10k CLI !!!!!!

it will show up the next day or so

 

 

 

 

Message 2 of 9
CreditInspired
Community Leader
Super Contributor

Re: nfcu 10000 cli?

Send NFCU a SM thanking for the $10K CLI and ask them for a reconsideration to a total of $25K. 


|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 3 of 9
AverageJoesCredit
Legendary Contributor

Re: nfcu 10000 cli?

The amount you have in Savings has no bearing nor carrys any weight with their credit decisions. I wouldnt take denials with Navy personal, they usually open up as you can see with your recent 10k increase.
Message 4 of 9
RickNATL
Established Contributor

Re: nfcu 10000 cli?

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...

Message 5 of 9
Anonymous
Not applicable

Re: nfcu 10000 cli?

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!

 

Message 6 of 9
Marz2002
Senior Contributor

Re: nfcu 10000 cli?

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS on the AWESOME CLI!!!

AMEX BCP $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $15.2K | Citi Rewards WMC $15.5K | Citi Costco VS $12K
Citi Custom Cash WEMC $7.8K | Synchrony (PayPal Credit $6K, Care Credit $15K, & PayPal 2% MC $10K, VENMO VS $6.5K)
PNC Cash Rewards VS $10.5K | NFCU cashRewards VS $14K | NFCU More Rewards AMEX $37.5K | NFCU Flagship Rewards VS $23K
Discover IT $22.5K | BB&T Cash Rewards $4.5K | Macy's AMEX $25K | Bloomingdales AMEX $20K | Apple Card WEMC $9K
PenFed Power Cash Rewards VS $7.5K

Total CL - $284K+
Message 7 of 9
pinkandgrey
Senior Contributor

Re: nfcu 10000 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.

Discover It: 21.5k
Amex Cash Magnet: 18k
Fidelity Visa: 16.5k
Apple Card: 4.25k
Message 8 of 9
Anonymous
Not applicable

Re: nfcu 10000 cli?


@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 

Message 9 of 9
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