@Joeysalaaa wrote:Thank you pizza !! I've always had clean history with them but I agree maybe a little time will help. I'm also going to maybe open a small Personal expense loan with them to show even more usage and repayment history !
I am an NFCU member who had over 2 decades not using the membership but went back all in a few years ago. You are showing the wrong usage to get better credit limits out of them. I don't have ANY loans with them and have a GoRewards with a $6k limit and 2 years later got their Flagship card with an $8k limit that they voluntarily increased to $30k after 90 days. NFCU wants to see good credit usage for at least 6 months if not a year. Once they see you responsibly managing actual credit card(s) they will be quite generous. That is the usage they want to see other than good cash flow and direct deposit through a checking account.
@pizzadudeis right, @Joeysalaaa, especially with that link from your prior post he noted.
It's true that NFCU can be more lenient than some other national lenders. But they are also easy to misread and not as "easy" as some members believe. Your situation isn't unusual and there are many similar posts on My FICO. My own situation was no derogatory information but as a new member, my first CL was much lower than expected. Then they denied me for a card, and this was with high FICO and NFCU internal scores, with high income and thick file. Apparently, they didn't like my credit-seeking and I gave them too much of the benefit of the doubt by when I applied with them. Eventually, I was approved for Flagship Rewards and parlayed that into the $80K credit limit I have today.
Give it time. They like relationship (and active relationship, not just in-name.) They will warm up as they see you demonstrate good financial management.
For reference, here are highlights of my NFCU journey:
- NFCU Membership + Platinum Visa approval ($10K) - Nov 2019
- Platinum Visa CLI - $18K - Apr 2020
- DENIAL - NFCU More Rewards - Jul 2020
- Platinum Visa CLI +$4.5K - Dec 2020
- Platinum Visa CLI +$4K - Jun 2021
- Platinum Visa CLI +$8K ($34.5K) - Dec 2021
- Platinum Visa CLI +$8K ($42.5K) - Jun 2022
- Platinum Visa CLI +$7.5K ($50K) - Dec 2022
- FLAGSHIP REWARDS approval - $25K - Jul 2023
*NFCU TCL now $50K + $25K = $75K
- Combined limits into one Flagship Rewards card $80K - Jan 2024
That's just a little over four years from $0 to $80K. 
Of course, YMMV and my profile was different from yours, but we have quite a few members who have an $80K card with Navy FCU but much lower limits elsewhere. I also had some setbacks along the way with them. While that $10K SL on Platinum may look high, my other approvals around that time were $15K to $35K.
