What kind of useage does NFCU like?

[Anonymous]

We havent had any increases since our cards became unsecured and went to 2k last year. I read I ca request every 3 months...
Do they like to see lots of useage? Or not very much? Want to maximize chances of a decent increase.

Also what is a decent CL increase with a card from them when im just over a year post chap 7 DC?

No lates or anything after dc.
A bit unsure the best route to take since my husband and I both had our cards unsecured at the same time and he didnt use his and and i had lol.

[Adkins]

There is no hard and fast rule with NFCU. My advice is to use the card as you normally would and just PIF every month. When asking for a CLI, shoot for the moon - if you're eligible they will counter with a number they like. 

[Scupra]

Just use it as you would and make sure to pay it on time. The increase will come

[Nomad3]

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@Scupra wrote:
Just use it as you would and make sure to pay it on time. The increase will come

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Are they known for nice auto increases?

[Anonymous]

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@Anonymous wrote:
We havent had any increases since our cards became unsecured ... I read I ca request every 3 months ...

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There are no rules to how often you can request. You can recieve a CLI every 180 days. 

There are many stories of members not getting a CLI on CC #1 but then getting a huge SL on CC #2. That's the path I would choose were I in your position. 

Good luck.

[AverageJoesCredit]

I think any lender would want you to use their card.. from what ive read here not everyone does but still gets increases so that bodes well.

Just be mindful you are coming from a bk so Navy will be abit more cautious with your profiles but in time they will open the vault

[Scupra]

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@Nomad3 wrote:

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@Scupra wrote:
Just use it as you would and make sure to pay it on time. The increase will come

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Are they known for nice auto increases?

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I wouldn't say they are known for auto increases, but they do happen. Just need to ask for the increase after you have waited long enough   

[AverageJoesCredit]

Took me 2 years to receive an auto cli

[joshk4u]

FYI - just something that’s been happening lately as last month - NFCU are doing SP CLI on all cards you have with them - I just got (2) different CLI on both cards I carry with them. I never got an auto CLI ever. lol. And I also made sure I was OPTED in for the auto CLI ! You have nothing to lose to submit one now. I would do it before it goes back to HP. Good luck 👍🏽