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Paypal CC and NFCU MR CLI, Soft Pulls

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Hipployta
Established Member

Paypal CC and NFCU MR CLI, Soft Pulls

Requested a Paypal credit card increase and it went from $8K to $16K.
For NFCU More Rewards I asked to move from $10k to $20k but they only did to $18k.
I reallocated this credit line to another card, going from $25K to $10k, and I thought that was the reason but the letter said I'm at max exposure.
However my 3 credit cards are only $72.5K so I still need to squeeze that last $7.5K out of them to get to $80K.
FICO (7/22/2023) EX 806 I TU 799 I EQ 782
Mortgage: 5.5% 30 yr, Auto Loan: 2024 Kia Telluride
Total CL: $278K, 7% Utilization
Top CLs: AMEX Plat NSPL, NFCU Plat $48900, AMEX BCP $34900, X1/Robinhood $21000, Langley TR $18100, Chase Prime $18000, NFCU MR $18000, Paypal MC $16000, Chase Bonvoy $12000, GM Rewards $12000
LOC: $12K
Langley $10000, NFCU $1000, Andrews $1000



Next up: Considering a HELOC, Alaska Airlines or United credit card, Truist or NW LOC, and/or one of the Upgrade cards.
Message 1 of 13
12 REPLIES 12
GZG
Valued Contributor

Re: Paypal CC and NFCU MR CLI, Soft Pulls


@Hipployta wrote:
Requested a Paypal credit card increase and it went from $8K to $16K.
For NFCU More Rewards I asked to move from $10k to $20k but they only did to $18k.
I reallocated this credit line to another card, going from $25K to $10k, and I thought that was the reason but the letter said I'm at max exposure.
However my 3 credit cards are only $72.5K so I still need to squeeze that last $7.5K out of them to get to $80K.

max CLI amount is $8k, so you wouldn't have gone higher than $18k regardless

 

so you could both be at max exposure and have gotten the max CLI, but hopefully it was just that it was just the max CLI and that's why you didn't get more

 

congrats!

Starting FICO 8:

Current FICO 8:

3/6, 5/12, 14/24

Message 2 of 13
keekers
Established Contributor

Re: Paypal CC and NFCU MR CLI, Soft Pulls

Congrats!


Message 3 of 13
CorpCrMgr1
Valued Contributor

Re: Paypal CC and NFCU MR CLI, Soft Pulls

Congratulations on your CLI!!

Message 4 of 13
EAT_SLEEP_JEEP
Valued Contributor

Re: Paypal CC and NFCU MR CLI, Soft Pulls

Congrats

KEEPER EVERYDAY CARDS/ AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX EVERYDAY PREFERRED $30,000 CL/ AMEX BLUE BUSINESS PLUS $5000 SL/ AMEX BLUE CASH EVERYDAY $6000 / FIDELITY REWARDS VISA $23,500 SL/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $33,000/ WELLS FARGO AUTOGRAPH $8200/ CITI COSTCO ANYWHERE VISA $6000 SL/ DISCOVER IT $3000 SL/ CAPITAL ONE SAVORONE $3000 SL

SOCK DRAWERED/ FNBO JEEP CARD $7700/ APPLE CARD $6500/ / PAYPAL CREDIT LINE $1700


Message 5 of 13
Legally_Speaking2512
Frequent Contributor

Re: Paypal CC and NFCU MR CLI, Soft Pulls

Congrats on the approvals!

Starting Score: 570
Current Score: 643
Goal Score: 800


Take the myFICO Fitness Challenge







Message 6 of 13
DoppelgangerD
Contributor

Re: Paypal CC and NFCU MR CLI, Soft Pulls


@Hipployta wrote:
Requested a Paypal credit card increase and it went from $8K to $16K.
For NFCU More Rewards I asked to move from $10k to $20k but they only did to $18k.
I reallocated this credit line to another card, going from $25K to $10k, and I thought that was the reason but the letter said I'm at max exposure.
However my 3 credit cards are only $72.5K so I still need to squeeze that last $7.5K out of them to get to $80K.

Sadly your next CLI for PP will only be 4k since it's capped at 20k.

I think they started me at 10k iirc, and then I waited like 4 months before asking for an increase and it went to 15 I think.

Being impatient I asked again just a couple months later and it went to 20.

 

Message 7 of 13
Zoostation1
Valued Contributor

Re: Paypal CC and NFCU MR CLI, Soft Pulls

Congrats on the CLIs!

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
May 2024 FICO 8:
May 2024 FICO 9:
Message 8 of 13
cashorcharge
Community Leader
Super Contributor

Re: Paypal CC and NFCU MR CLI, Soft Pulls

WooHoo!! Congratulations on your Approval!!👏🏼🍾🥂

Message 9 of 13
Hipployta
Established Member

Re: Paypal CC and NFCU MR CLI, Soft Pulls

Oh thanks for letting me know
FICO (7/22/2023) EX 806 I TU 799 I EQ 782
Mortgage: 5.5% 30 yr, Auto Loan: 2024 Kia Telluride
Total CL: $278K, 7% Utilization
Top CLs: AMEX Plat NSPL, NFCU Plat $48900, AMEX BCP $34900, X1/Robinhood $21000, Langley TR $18100, Chase Prime $18000, NFCU MR $18000, Paypal MC $16000, Chase Bonvoy $12000, GM Rewards $12000
LOC: $12K
Langley $10000, NFCU $1000, Andrews $1000



Next up: Considering a HELOC, Alaska Airlines or United credit card, Truist or NW LOC, and/or one of the Upgrade cards.
Message 10 of 13
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