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nfcu 10000 cli?

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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

 

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Message 1 of 9
8 REPLIES 8
Senior Contributor

Re: nfcu 10000 cli?

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

it will show up the next day or so

 

 

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 2 of 9
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. 

GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 3 of 9
Community Leader
Super 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.
#ChaseCreditCardHobby Enthusiast
2022
!
Message 4 of 9
Frequent 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
Frequent Contributor

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!

 

  
(Sigh, farewell dear CSR. Though we only were together briefly, you'll be missed....)

  
  

Formerly GrowOrDie
Message 6 of 9
Valued Contributor

Re: nfcu 10000 cli?

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS on the AWESOME CLI!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $15.5K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
Apple Card MC $6K | NFCU cashRewards $1K
TCL - $114K+ | Rebuilding since April 2018
Message 7 of 9
Community Leader
Valued Contributor

Re: nfcu 10000 cli?


@VoltronM 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: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 8 of 9
Senior Contributor

Re: nfcu 10000 cli?


@pinkandgrey wrote:

@VoltronM 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 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 9 of 9
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