NFCU CLI question

[doodlebear88]

So yesterday I requested a CLI on my nRewards cc with Navy Federal and got a 3-5 day message. I figured that meant denial but logged in today and saw that my limit was in fact increased.

 

A little background: quite a few inquiries from credit apps (working on rebuilding my credit started about 1 year ago) have brought my score to 626. I have a steady job, haven't had a late payment in 7 years, and on balances I don't pay in full I always pay triple the minimum.

 

I have a few items that are paid off and some that are used for small purchases to keep the accounts active but my nRewards card with a limit of $4.5k had a balance of $4k on it. I've had the account for i think about 8 months and have had several unexpected expenses (this card is reserved for emergency purposes and had to fly my family home due to a medical situation). I requested only a $500 inc. because I didn't want to appear too greedy with a limit that's already borderline maxed out. I don't have anything I need to use that inc. for, it's more or less just to increase my available and for peace of mind purposes.

 

Stated above i got the 3-5 day message and figured it was a dreaded denial letter but surprisingly enough I logged in to make a payment on my cc and it was increased.

 

My question: should i have asked for larger increase instead of wasting an inq. on such a small amount? do any of you have experience having been approved for a small inc. and asking for additional and being approved with the nRewards or any NFCU cc?

 

 

[mendelssohn]

What is holding your scores down if you have perfect payment history reporting, just utilization? I would have asked for much more, but waited for the card to have a $0 balance.

[stroked89coupe]

Congrats!!

[doodlebear88]

What is holding your scores down if you have perfect payment history reporting, just utilization? I would have asked for much more, but waited for the card to have a $0 balance.

My utilization and inquiries are killing me. Slowly working to bring my score back up though. Will wait 6 months and request another CLI since the card will be paid in full by then.