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Someone scratch my itch please.....NFCU

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madmann26
Valued Contributor

Someone scratch my itch please.....NFCU

Got ya!

 

Since paying off all of my CA's and knowing my TU and EQ reports are free of CA's, I've been itching to ask for an increase on my NFCU Cashrewards card. Question is, how much do I ask for?

 

I got approved for the card in early December 2012 and have run roughly 7k or so through. All PIF. My income is 90k.

 

(I know myself that I need to wait until at least the 15th of March before asking...just trying to stall myself out. Smiley Very Happy)

 

Thanks,

 

Current Scores - 8/26/2025


FICO 9


EQ - 769


TU - 778


EXP - 762


Message 1 of 12
11 REPLIES 11
jsickz32
Valued Contributor

Re: Someone scratch my itch please.....NFCU

I ask for clis every month....so far they all been SPs too
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 2 of 12
dodfire
Valued Contributor

Re: Someone scratch my itch please.....NFCU

Good luck to you if you ask..... Ask for higher than you want in case they counter offer. 

*8/10/13
Message 3 of 12
Shogun
Moderator Emeritus

Re: Someone scratch my itch please.....NFCU

Doesn't seem like anyone's try to scratch the itch. Smiley Happy

 

If it's a softpull, why not just go ahead and let it spread.  Good luck buddy!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 12
jsickz32
Valued Contributor

Re: Someone scratch my itch please.....NFCU

If you dont get instantly approved then its gonna be a HP.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 5 of 12
Leadberry
Established Contributor

Re: Someone scratch my itch please.....NFCU


@madmann26 wrote:

Got ya!

 

Since paying off all of my CA's and knowing my TU and EQ reports are free of CA's, I've been itching to ask for an increase on my NFCU Cashrewards card. Question is, how much do I ask for?

 

I got approved for the card in early December 2012 and have run roughly 7k or so through. All PIF. My income is 90k.

 

(I know myself that I need to wait until at least the 15th of March before asking...just trying to stall myself out. Smiley Very Happy)

 

Thanks,

 


So do you have any paid CA's on your CR's?  Any other baddies?

   
FICO Scores 800+
Message 6 of 12
madmann26
Valued Contributor

Re: Someone scratch my itch please.....NFCU

Lead

I have a few paid CO but no CA's. I have beem trying to GW the CO to no avail.

Current Scores - 8/26/2025


FICO 9


EQ - 769


TU - 778


EXP - 762


Message 7 of 12
Anonymous
Not applicable

Re: Someone scratch my itch please.....NFCU


@Shogun wrote:

Doesn't seem like anyone's try to scratch the itch. Smiley Happy

 

If it's a softpull, why not just go ahead and let it spread.  Good luck buddy!


Not without at least Dinner and Movie first!! Smiley Tongue

 

Good luck Smiley Happy

Message 8 of 12
madmann26
Valued Contributor

Re: Someone scratch my itch please.....NFCU


@Shogun wrote:

Doesn't seem like anyone's try to scratch the itch. Smiley Happy

 

If it's a softpull, why not just go ahead and let it spread.  Good luck buddy!


Shogun,

 

Right now I have 72% util reporting. It's currently 1% but has not reported yet and won't report until 12th-15th.

Current Scores - 8/26/2025


FICO 9


EQ - 769


TU - 778


EXP - 762


Message 9 of 12
Shogun
Moderator Emeritus

Re: Someone scratch my itch please.....NFCU

I'd wait till that util goes down.   Better odds of approval.  Now...  don't scratch!!!  at least until your util updates.  Then dinner/movie.  LOL!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 10 of 12
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