nfcu small cli

[kugel]

After waiting 6 months from last cli went today from 15k to $17,500 I wonder why such a small increas last increase was from $500 to 15k

is it possible it's because the recent AR was done on Experian and it shows my 19 months old bk
The previous AR was on equifax and it does not show my bk ? Was hopping to get the full 25k this shot
Fico score 675
Income $130.000
Zero utilization available credit is $120.000

To be able to get in the future a second card with nfcu do u need to have the first card with a 25k cl ?
Waiting to get in sep the Amex

[AverageJoesCredit]

Maybe at your max limit right now? But though a "small" $2500 increase, its a cli , sp probably, and more than many have, including myself. Im still amazed at people getting these big limits within 3 to 6 months, without having to really create years of history, and it seems never enough. Sorry Op, its not you, just a trend i see with Navy approvals and limits.

[Anonymous]

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@kugel wrote:

After waiting 6 months from last cli went today from 15k to $17,500 I wonder why such a small increas last increase was from $500 to 15k

is it possible it's because the recent AR was done on Experian and it shows my 19 months old bk
The previous AR was on equifax and it does not show my bk ? Was hopping to get the full 25k this shot
Fico score 675
Income $130.000
Zero utilization available credit is $120.000

To be able to get in the future a second card with nfcu do u need to have the first card with a 25k cl ?
Waiting to get in sep the Amex

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Could be...or you could be approaching the most they are willing to give you at this point in time. Also to keep things in perspective...17.5K is a great credit line. And there's room to grow still!

No, I got a 2nd card even though my first one was "only" at 14,000. Went for the CashRewards and was approved for 14,500. If approved for a second one I think they match or exceed your first card. 

[Aduke1122]

I agree it sounds that you have reached Max exposure with them right now , congrats though any CLI is a good one

[Aduke1122]

I would gladly take a 2500 CLI from them right now lol

[Anonymous]

Not too bad imo! From $500 to $17,500 in only 9 months. Can't beat that! Not many lenders out there that do those kind of bumps!

[Aduke1122]

Yes a 17 K jump in CL is absolutely amazing 😉 don't get too caught up on the small details , it will grow more with more time

[kugel]

Aduke I am happy with what I have can't complain
I Wish u luck to get your increas with nfcu 

[Aduke1122]

Thanks Kugel

[CreditInspired]

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@kugel wrote:

After waiting 6 months from last cli went today from 15k to $17,500 I wonder why such a small increas last increase was from $500 to 15k

is it possible it's because the recent AR was done on Experian and it shows my 19 months old bk
The previous AR was on equifax and it does not show my bk ? Was hopping to get the full 25k this shot
Fico score 675
Income $130.000
Zero utilization available credit is $120.000

To be able to get in the future a second card with nfcu do u need to have the first card with a 25k cl ?
Waiting to get in sep the Amex

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First, congrats on the CLI. Honestly, it is an awesome increase! 

Second, is this 0% untilization across all your credit cards. If yes, a big no, no. At least have one card reporting a minimum of 1%/maximum 9% for maximum scoring.

Third, I found for NFCU, if one spends large amounts and make huge payments, the CLIs are larger.