Should I ask for the 25K?

[Anonymous]

I just had an AR done by NFCU on 10-27-15.  I'm wondering should I go ahead and ask for 25K?  I have a nRewards card that I got a 10K increase on just after my last AR which was 9-1-2015.  Should I go for it or wait.

[takeshi74]

Insufficient info to make a meaningful recommendation.  It's not just the AR that matters but your credit and income versus the creditor's criteria.  Your call.

[Anonymous]

This is my experience:

Went from $2K to $10K back in August. ☺️
Requested a CLI to 25K on my Visa Sig cash rewards yesterday and got the 3-5 day message. Called 2 hrs and was told it was denied. When I settled down night I uploaded my last 2 check stubs and a nice message for reconsideration. Received a message a hr ago and they didn't grant me the full CLI but I went from $10K to $15K. Hard pull wasn't wasted after all ☺️ Utilization at 40%. Overall utilization at 15%

[Anonymous]

basically just ask and see what they come back to you with. look at the NFCU thread creditaddict made

[Anonymous]

No baddies, collections or lates. Scores in upper 600s-700s.

[Anonymous]

you may or may not get it but it's worth asking. they'll send a counter later

[BLAIX]

I opened my NFCU cashRewards in November 2014 and I think my SL was 10k, the highest of any card I had at the time. Around May 2015 I asked for CLI and they bumped me to 12.5 stating that was all the credit the could extend me at that time. A few weeks ago I bit the bullet for another HP CLI and got the 3-5 day message. I left it alone and they bumped me to 25k. I LOVE making NFCU my main banking /CC.

If you want it and a HP won't devastate you, I say go for it.