NFCU Secured nRewards CLI Question

[Bcunniff9]

Quick question about the secured nRewards card. I've had the card since 10/16, very basic card which is right up my alley, so I'd like to hold onto it until it graduates (hopefully). My current CL is $500, if I wanted to increase the limit using my savings that is linked to it, would they hit me with a HP like an unsecured card? Or is the CLI just a "hey you have the funds, here's your increase"? I've never had a secured product before so I'm kinda new to this. Thanks in advance!

[soccrstar]

Yuppo easy as pie! Put 100 or more into savings. Call them up and request a credit limit increase. New limit available immediately

[Scupra]

I have seen a couple cases where a card took longer to graduate and in all of those cases they increased the limit. I don't know if it's a glitch or what but maybe just leave the limit alone and wait for the 13th statement.

[Bcunniff9]

I've read those posts Scupra. But those are only a fraction of the card holders I'm sure. But I think I'll give it a go. Thanks for the advice guys!

[joltdude]

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@soccrstar wrote:
Yuppo easy as pie! Put 100 or more into savings. Call them up and request a credit limit increase. New limit available immediately

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Soccrstar..Can I ask why in the blazes you got a Blaze card? 

Did you really need another TL that badly?

[Scupra]

My first card was the nRewards secured, great card If you have any interest in a 2nd card with Navy I would say to try and get it before yours graduates. It seems to be an easier route! Best of luck to you!

[Bcunniff9]

I've been consistently shot down by Navy. I can't even refinance my auto loan with a $65k y/r salary. My setback is a BK7 DC 8/2016. Hopefully they will start to relax and give me a break soon. 

[Scupra]

Ahh, sorry to hear! Sometimes they are odd to crack.. FWIW I started with the secured day 1 after BK7 d/c and 4 months later was approved for an unsecured.

[Bcunniff9]

Just an update, I went ahead and upped my CL to $1500. Very seamless process, no HP. I'm also not too worried about the card not graduating, by next October my BK will have aged by 14 months and my scores will most likely be higher, so I can apply for am unsecured product with them. Again, thanks for the help everyone!

[Scupra]

Best of luck! Try to update for the data point if you remember