NFCU New card/CL question

[nitrov]

I've heard so many great things from here about the generous CLs NFCU offers, so I decided to come out of the garden and app. My USAA FAKO for EX/EQ/TU is 749/722/739, respectively, I'm not sure how much off my FICO is, but I figured approval odds were good regardless. I apped for the Flagship Signature Visa and got approved for only $5000 when my avg. CL is around $7000 right now. I was pretty bummed.

I tried asking for more when I was told I was approved and was told that was the maximum I qualified for. I read on here someone had success with calling back a week later mentioning they wanted to transfer balances. Anyone had success with this or otherwise? Any tips for how I may be able to squeeze a better CL out of them or do I need to wait? I really don't want to have to take another HP just to get a CLI on this thing.

Any help is appreciated!

[Creditaddict]

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@nitrov wrote:

I've heard so many great things from here about the generous CLs NFCU offers, so I decided to come out of the garden and app. My USAA FAKO for EX/EQ/TU is 749/722/739, respectively, I'm not sure how much off my FICO is, but I figured approval odds were good regardless. I apped for the Flagship Signature Visa and got approved for only $5000 when my avg. CL is around $7000 right now. I was pretty bummed.

I tried asking for more when I was told I was approved and was told that was the maximum I qualified for. I read on here someone had success with calling back a week later mentioning they wanted to transfer balances. Anyone had success with this or otherwise? Any tips for how I may be able to squeeze a better CL out of them or do I need to wait? I really don't want to have to take another HP just to get a CLI on this thing.

Any help is appreciated!

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Is this your first NFCU Card?

if it is that sounds super low and I would send a secure message online that you were really disappointed with the limit given your 700's scores and higher CL's with other creditors, would they reconsider.

[j_casteel]

What's your income?

[nitrov]

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@Creditaddict wrote:

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@nitrov wrote:

I've heard so many great things from here about the generous CLs NFCU offers, so I decided to come out of the garden and app. My USAA FAKO for EX/EQ/TU is 749/722/739, respectively, I'm not sure how much off my FICO is, but I figured approval odds were good regardless. I apped for the Flagship Signature Visa and got approved for only $5000 when my avg. CL is around $7000 right now. I was pretty bummed.

I tried asking for more when I was told I was approved and was told that was the maximum I qualified for. I read on here someone had success with calling back a week later mentioning they wanted to transfer balances. Anyone had success with this or otherwise? Any tips for how I may be able to squeeze a better CL out of them or do I need to wait? I really don't want to have to take another HP just to get a CLI on this thing.

Any help is appreciated!

---

Is this your first NFCU Card?

if it is that sounds super low and I would send a secure message online that you were really disappointed with the limit given your 700's scores and higher CL's with other creditors, would they reconsider.

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Yes, very first NFCU card, just became a member with them like a day before apping. I sent the secure message, fingers crossed for a better CL from that method. When I asked the woman on the phone she also told me there was no way of getting a CLI with them unless you HP, which I've read otherwise online, so maybe she just didn't know what she was doing :\

[nitrov]

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@j_casteel wrote:
What's your income?

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Income is around mid-100's, my DTI is still low, CC util was around 30% as of the CBI they pulled, as of now it's probably about 20%

[nitrov]

I helped out my boyfriend and both my parents with apping for NFCU cards. They all have significantly lower income, lower scores, and a couple old baddies, but somehow, they ALL got approved for a higher CL than me!

I apped for a Flagship card for myself but nRewards cards for them. Any possibility that has something to do with it? I am just completely dumbfounded by this! Hopefully I hear back from my secure message with some better news but I am just floored if $5000 is the max I'm getting when they're getting $6000-14,000 with mediocre-at-best credit

-_____-

[empiror22]

whats your AAoA, do you normally bank with NFCU? do the other have better AAoA or do more business with NFCU?  how long have you been with NFCU?  these are just some things to think about when you talk about any creditor.  most will look at some one with a low score "better" if they have a long AAoA or do a lot of business with them already. 

[j_casteel]

Yeah it seems strange. Do you happen to know your actual FICO's? I know you should get one with your new card, but just curious if they are pulling something lower than your FAKO scores.

[nitrov]

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@empiror22 wrote:

whats your AAoA, do you normally bank with NFCU? do the other have better AAoA or do more business with NFCU?  how long have you been with NFCU?  these are just some things to think about when you talk about any creditor.  most will look at some one with a low score "better" if they have a long AAoA or do a lot of business with them already. 

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Neither my boyfriend (got approved fo $14k) nor my mom ($6k) have any relationship with NFCU. Each of them only have 1-2 tradelines and their AAoA is <2 years.

My AAoA is ~3.5 years, I'm also a new NFCU member. So, considering we're all equal in terms of existing relationship (none) with NFCU, my credit score is about 100 points higher, AAoA is over twice as long, and income is more than triple, I can't understand why my CL would be less than theirs.

[nitrov]

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@j_casteel wrote:
Yeah it seems strange. Do you happen to know your actual FICO's? I know you should get one with your new card, but just curious if they are pulling something lower than your FAKO scores.

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I wish I knew. I know according to Discover my FICO is a 702, but I don't know how accurate that is or even what bureau they use. The only other scores I get are one from CapitalOne and Credit Karma, both of which are in the 695 range. I just got approved for a Chase IHG Mastercard with a $9000 limit, so I have to assume my score is well within the 700s.