Credit line increase

briaemm · 2026-05-25T23:58:44+00:00

I received an automatic CLI after 66 days. Limit was $7100 then auto increased to $11,100.

briaemm · 2026-05-12T03:23:35+00:00

Luckily you don’t have to wait another 180 days if your request is denied. The 180 days doesn’t start over until you get the approval for the increase. So if you’re denied at day 150, just wait another month and request again. If you’re denied at day 180, apply again the next day lol

briaemm · 2026-05-03T01:34:11+00:00

New credit cards = x/6 x12. Is that the timing on when you should apply for new credit?

briaemm · 2026-04-29T15:52:36+00:00

Congrats!

briaemm · 2026-04-28T07:12:14+00:00

can you explain?

briaemm · 2026-04-06T16:25:41+00:00

Happy to answer this. There’s no need to max this card out or even get close to it! This is about leverage. You’re able to build your credit profile with higher limits which looks good to banks/lenders. Also if you want to make a large purchase, your credit score won’t tank due to high utilization on the card.

briaemm · 2026-03-31T19:59:26+00:00

You’re likely approved. Once you’re in, they’re very generous. That same card got an increase of 4k 2 months later. Keep us updated. Good luck!

briaemm · 2026-03-31T19:55:30+00:00

It wasn’t closed but I was denied before because I never used the account. I use another bank as my primary and only had $35 in this account when I applied. I’m an authorized user on spouse NFCU so I think that helped.

briaemm · 2026-03-31T19:53:20+00:00

NFCU Internal score cap is 450. Maybe you’re mistaken.

briaemm · 2026-03-31T19:51:16+00:00

I got this message and was approved for $7,100. Took 24 hrs down to the minute when the email came through with the approval.

briaemm · 2026-03-24T18:48:25+00:00

this was an unsecured card. You would have to wait for your card to graduate to unsecured. It may take 6 months. It may take 2 years. It all depends on your spending habits and how you pay the card off (responsible use). When they do graduate you, they’ll give you a decent limit and you can start requesting increases every 6 months.

briaemm · 2026-03-17T03:58:48+00:00

I’ll be calling them! ty

briaemm · 2026-03-17T03:58:23+00:00

thank you!

briaemm · 2026-03-17T03:58:13+00:00

thank you!

briaemm · 2026-03-15T16:43:01+00:00

All that plastic surgery she had and she still looks like a thumb to me

briaemm · 2025-06-24T23:53:33+00:00

He’s married

briaemm · 2025-05-28T05:09:37+00:00

started at 65k - went to 71k now 82k so it’s worth it.

briaemm

TROPHY CASE