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Approved NFCU, can I ask for a higher limit to start with?

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Mistakes
Contributor

Approved NFCU, can I ask for a higher limit to start with?

I'm rebuilding my credit and was approved for an NFCU credit card but with a starting limit of 1k, can I ask for a higher limit to start or should I wait until my 6 month mark?


Starting Score: EX649/EQ637/TU611
Current Score: EX649/EQ637/TU620
Goal Score: 750+ ALL 3 by December 2012


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Message 1 of 10
9 REPLIES 9
webhopper
Moderator Emeritus

Re: Approved NFCU, can I ask for a higher limit to start with?

You can ask. My husband received a 1.5k increase before he received the card. He was originally approved for 2.5k, now he's at 4k. He got the card in june
FICO 8:
Goal: Gardening!
Message 2 of 10
Mistakes
Contributor

Re: Approved NFCU, can I ask for a higher limit to start with?

Did he call in and ask or did they do it automatically?


Starting Score: EX649/EQ637/TU611
Current Score: EX649/EQ637/TU620
Goal Score: 750+ ALL 3 by December 2012


Take the FICO Fitness Challenge
Message 3 of 10
webhopper
Moderator Emeritus

Re: Approved NFCU, can I ask for a higher limit to start with?

He applied for the increase online
FICO 8:
Goal: Gardening!
Message 4 of 10
webhopper
Moderator Emeritus

Re: Approved NFCU, can I ask for a higher limit to start with?

Expect a HP if you ask.
FICO 8:
Goal: Gardening!
Message 5 of 10
Mistakes
Contributor

Re: Approved NFCU, can I ask for a higher limit to start with?

Oh, I see.  YIKES!  That will be 2 HP's within days of each other Smiley Sad


Starting Score: EX649/EQ637/TU611
Current Score: EX649/EQ637/TU620
Goal Score: 750+ ALL 3 by December 2012


Take the FICO Fitness Challenge
Message 6 of 10
CS800
Super Contributor

Re: Approved NFCU, can I ask for a higher limit to start with?

Any CLI request even when you jsut got approved is considered as a request for cresti, as such they will do another HP most likely.

 

How do I know? Happened to me Smiley Happy




Message 7 of 10
CorporalAv
Established Member

Re: Approved NFCU, can I ask for a higher limit to start with?


@Mistakes wrote:

I'm rebuilding my credit and was approved for an NFCU credit card but with a starting limit of 1k, can I ask for a higher limit to start or should I wait until my 6 month mark?


Congrats! I am about to apply myself. My scores are in the same ball park as yours so now my confidence is a little higher Smiley Happy did you get an instant approval?

Capital One QS $1,100 | Capital One QS ONE $1,200 | NFCU Cash Back Visa Signature $7,000 | USAA Platinum $1,000 | Discover IT $3,900 | Barclaycard - Apple $2,000 | AMEX PRG | Care Credit $7,000

As of 11/23:657 EX FICO
Message 8 of 10
Mistakes
Contributor

Re: Approved NFCU, can I ask for a higher limit to start with?

CS800 thank u!  I'll just wait until my 6 month mark.  Corpolav, good luck!!!

 


Starting Score: EX649/EQ637/TU611
Current Score: EX649/EQ637/TU620
Goal Score: 750+ ALL 3 by December 2012


Take the FICO Fitness Challenge
Message 9 of 10
Mistakes
Contributor

Re: Approved NFCU, can I ask for a higher limit to start with?

Oops, I got the "under review" on sat night and then saw the "approved" on mon night


Starting Score: EX649/EQ637/TU611
Current Score: EX649/EQ637/TU620
Goal Score: 750+ ALL 3 by December 2012


Take the FICO Fitness Challenge
Message 10 of 10
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