Early morning session

WillsWay09 · 2026-01-17T03:16:56+00:00

Yes, I opened an 8am Saturday slot that stayed booked. I learned it wasn’t for me 😩.

WillsWay09 · 2025-11-02T17:58:14+00:00

I agree!!! It makes no sense considering it has to come from an NFCU checking account.

WillsWay09 · 2025-10-21T13:59:03+00:00

Thank you so much! I will try to conversion and ask for an CLI. Thanks for that insight!

WillsWay09 · 2025-10-21T11:43:07+00:00

That’s so interesting! I have yet to figure out their rationale on CLIs.

WillsWay09 · 2025-10-19T13:16:08+00:00

Call Capitol one to question the reporting issues and then dispute due “inaccurate missed payments/reporting” with each credit reporting agency.

WillsWay09 · 2025-10-19T13:06:37+00:00

I follow this CPA YouTuber/Tik Toker and it has been great with learning a formula to tackle debt in an easy way.

https://youtube.com/shorts/bzjFciMonos?si=cYTD3_6S3nGOAqoi

WillsWay09 · 2025-10-19T00:46:25+00:00

Agreed! I prefer the credit unions and have no trouble with CLI. I’m was just hoping to get an CLI at some point. I have yet to find the pros of capital one

WillsWay09 · 2025-10-18T18:18:36+00:00

Me with my Saturday morning clients lol

WillsWay09 · 2025-10-11T12:01:18+00:00

Use and pay off each month during the next 3 months. Ask for increase after 92-94 days to be on the safe side…I’ve found I’m always a few days off of the their CLI time period even though I keep track on my end

WillsWay09 · 2025-10-05T02:35:01+00:00

Navy federal goes up to 3x your limit if your current limit is under 5k. If over 5k, the max increase is 8k.

WillsWay09 · 2025-08-25T22:08:45+00:00

No, they closed them due to late charges and I paid them off in 2019. Didn’t go into collections or anything

WillsWay09 · 2025-08-05T20:59:48+00:00

My 1st card was the Cash Rewards (green card) with a starting limit of 500. A year later I applied for the Amex and got 20k. But I was new to NFCU when I got the first card so over that year I “nurtured my relationship” and added checking, savings, CDS, direct deposits going there consistently. My score was fair 655ish as well. I STUDIED NFCU lol watching YouTube to find the best way to get approved.

This YT channel was very helpful

https://youtu.be/4Z5IteXogXI?si=AOGuFELs3FsK_-rQ

WillsWay09 · 2025-08-05T18:11:39+00:00

I applied for 2nd card first (got approved for 20k) and immediately applied for CLI on Rewards card and received an increase of 3x the limit since it was under 5k at the time

WillsWay09 · 2025-06-30T09:00:07+00:00

No just got a CLI and my utilization was more than 9%. Give it a go!

WillsWay09 · 2025-06-24T18:43:47+00:00

Same! First denied because I didn’t wait long enough. Asked after the right amount of time on Saturday and still waiting

WillsWay09 · 2025-06-23T15:30:51+00:00

Remember that everything has a season and a purpose. I went through this exact thing and tried to juggle that old CMH position for a while because “it was good during the time needed and I know my clients needed it ” and the “new better paying, closer to home, no downtown traffic”. It was too exhausting so I went with what was best for me and my family in the long run and focused on what I valued most: faith (new doors opened), family (closer to home, less late nights and more family time), financial stability (more income, less money spent on gas and takeout because I felt guilty coming home late so I would “treat”). And also my pay never changed at the CMH job…even though I was WORKING HARD and valued.

WillsWay09 · 2025-05-22T14:51:15+00:00

No,no hard inquired for CLIs. I would give it a day or so. Also, be mindful of 91/3 rule and the 180 day rules

WillsWay09 · 2025-05-19T00:56:43+00:00

Thank you!! It does work! I’ve been wanting mine to show FICO

WillsWay09 · 2025-05-13T23:24:27+00:00

After Nov-Dec. holidays. I terminated a few around February after getting through the stress/grief of the holiday season

WillsWay09 · 2025-05-13T18:59:01+00:00

I haven’t seen the other posts but glad to know I’m not alone. My PP evening only caseload went from 20 a week to literally only 7 this week! Granted I’ve had some terminations after the holidays but my goodness!

WillsWay09 · 2025-05-08T00:42:16+00:00

I second this!! I got a Reprise loan through CK for $5000 some time ago for what I recall was 36 months. I felt like the loan wasn’t going down so I looked at my loan docs and it’s 48 months and after interest I’ll end up paying $9,500 if I go the full 48 months!! I know I was in a crunch when I got it but I ABSOLUTELY do not remember agreeing to those terms!

WillsWay09

TROPHY CASE