NFCU New card/CL question

[j_casteel]

They are pull happy...

I had 3 pulls from them within 2 days of joining.

Regardless of the outcome you were approved for $5k and NFCU is mostly good about SP CLI's you can be up to $25k+ in no time.

[kalani91]

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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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Very strange.. I got accepted for 7.5k when my max on other cards were 1.5k. Very low income college student too. I'm pretty sure they'll give you a good CLI sometime soon anyways.

[nitrov]

Just got the call back in response to my secure message. They verified me and told me they had increased my limit to $20,000!!



I'm ecstatic! Going to be applying for a HELOC with them this week. Fingers crossed!

[leegreen]

COngrats! Now that is the NFCU we all know and love.

[Anonymous]

please keep us posted on the HELOC.  I'm planning on applying for one in Oct.

[nitrov]

Thanks. I have another thread for it. I'm pretty confused as to whether I should app for it now or wait until new accounts hit my credit because I don't know if the large new CL will help me or the new account itself will hurt me. Plus I can't seem to find any success stories for NFCU HELOCs either :\ so I'm not sure how they look at inquiries and new accounts, etc

[nitrov]

Just got a letter today from NFCU explaining my high APR (15.49%) and turns out my TU FICO when I was approved came back a 684. With that in mind, I'm shocked I got a $20k CL with a 684 FICO! This is the same score that Discover was reporting, so I guess that's good confirmation that their score is accurate. Interesting data points in my opinion!