NFCU: Anyone else get $1K CL on first card?

[Anonymous]

yup, and it was raised to $23,500 at 91/3

my second card with them came a couple of years later and was approved for $25k right off the bat, and went to $31k 3-6 months later.

[AverageJoesCredit]

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@Anonymous wrote:

First card: cashRewards $1k

Second card: Flagship $15k, 91 days later

Third card: Platinum $25k, 94 days later

Don't worry too much about your first card limit! They will reward you mightily in 3 months!

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4th card: 35k 

M8

[PicoFico]

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@Wavester64 wrote:

Don't get me wrong, I am glad to be a member of NFCU with all the positive things said about them on here.

And no, I wasn't expecting a $15K CL or a $25K CL.

But with my numbers I wasn't expecting $1K CL either. 

At @Anonymous 's suggestion to another, I did send a SM to see if they can up the CL to take advantage of a BT. (still awaiting a reply)

Was wondering if anyone else's first go round with NFCU got them a $1K CL and if so, were you surprised about it being that low?

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They gave you credit?! 😜

I had to give them $500 for a card then 4 months later they gave me $10k on my second card, while still not being graduated on the first.

Hang in there it will, it will end up phenomenal 👍

[Wavester64]

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@Anonymous wrote:

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@Wavester64 wrote:

Don't get me wrong, I am glad to be a member of NFCU with all the positive things said about them on here.

And no, I wasn't expecting a $15K CL or a $25K CL.

But with my numbers I wasn't expecting $1K CL either. 

At @Anonymous 's suggestion to another, I did send a SM to see if they can up the CL to take advantage of a BT. (still awaiting a reply)

Was wondering if anyone else's first go round with NFCU got them a $1K CL and if so, were you surprised about it being that low?

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It happens; and when it does its usually because lenders are sending you a message.  In my case I was approved for $1,000 for a NFCU Cash Rewards card which was my 15th approval in a 9-month period.  Judging by your recent denial for an unsecured BofA card and now a low SL from Navy its probably time to garden.  Also, the variance between your "numbers" suggests that you have some sort of derogatory on your credit report and that affected your approval by Navy.

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Good assessment. 

I have a BK13 that is scheduled to come off 6/10/20.

I was able to get TU and EX to do an EE, but EQ wouldn't budge.

[jberry]

Just got approved last week for a cashRewards card, starting limit $700! Was really surprised, my CSR is at $27,100, and other cards around $7,000, my Boss (wife) got $1,000! and a lower APR than me, same card cashRewards, and her credit score is lower than mine, and her highest limit is around $11,000 for the CSP. So now, just transfered over my direct deposit to NFCU, and gonna see what happens 91/3.

[surferchris]

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@KJinNC wrote:

Is it typical to get higher CLs for the first card if you wait a while to apply for the card after joining NFCU, or does it only matter that it's your first NFCU credit card? I know there's probably not much solid data, just looking for anecdotal info. Thanks!

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IMHO that is the way to go with NFCU...

Although you already have a great cc mix, so they would approve you with a decent limit either way.

[mmmagique]

I started with 1K the day I joined. I was just so happy just to get in. 9 months later, I got a CLI to $3000 and then applied for another card yesterday which has a 16,000 SL. They also gave me a $5000 pandemic loan at 6% interest! 

[pt91978]

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@mmmagique wrote:

I started with 1K the day I joined. I was just so happy just to get in. 9 months later, I got a CLI to $3000 and then applied for another card yesterday which has a 16,000 SL. They also gave me a $5000 pandemic loan at 6% interest! 

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Congrats on the pandemic loan, I applied for that and they shot me down. 

[Credit_Master]

I will chime in here with my experience with NFCU. I joined in May 2018 and applied and approved for a auto loan @ 4.29%. I figured I would wait until I built a relationship with them and then apply for a credit card. On time car payments the entire time with a checking and savings account. I applied for the GoRewards card last month and was approved for $24,100 SL @ 10.49%. I was floored with the starting limit as my income is only $38k. I believe my on time payments for that length of time had something to do with my approval. But like others have said it will grow with your relationship with NFCU.                                                

[Anonymous]

My first card (Cash Rewards) started with 1k.  At  91/3 my SL was upped to 4k, and my 2nd card (More Rewards) was 15k.