After some serious readjusting to my credit I have finally been approved for the CLOC! I do not plan to ever use it but it’s great for utilization and emergency (hope there aren’t any) situations! I was approved for 3K and will request the max in 6-9 months!
Just thought I would share! Was denied 4 times before. Established credit with them 2 months ago utilizing the CR cards and possibly keeping money in my savings with them has helped!!
Congratulations! I too have a NFCU CLOC in addition to my CC, checking, and savings accounts. I like that it reports monthly as available credit and lowers overall utilization and also hope to never have to use it! Just another way of making credit work for you rather than you working for credit!
I got this product about 11 months ago, they wouldn’t do the 15K so we settled on 7.5K. I never used it, still haven’t. Lol. But I requested it to go to 15K after having it for 2 Months and they made it happen. Odd thing is, it still has never reported, it’s looking like it has to be used at least one time to trigger reporting maybe. Anyway, Congratulation on your new CLOC
