NFCU 3 Month CLI Request Message

[bk510]

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@Anonymous wrote:

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@Anonymous wrote:
Update - So I haven't received a response from NFCU yet but I logged in and went to my card's page and something crazy happened.

Credit Limit
$1,000.00
Available Credit
$13,500.00
Last Statement Balance
Ending 01/23/2017 $0.00

It says my credit limit is $1,000 but Available Credit is $13,500 what happened?!?!?! I don't understand this can someone help.

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@Anonymous wrote:
Update - So I haven't received a response from NFCU yet but I logged in and went to my card's page and something crazy happened.

Credit Limit
$1,000.00
Available Credit
$13,500.00
Last Statement Balance
Ending 01/23/2017 $0.00

It says my credit limit is $1,000 but Available Credit is $13,500 what happened?!?!?! I don't understand this can someone help.

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You probably got the increase. If so, woot! For me, every time I have any sort of account change with navy, it never shows up completely right until after the midnight update.

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lol. Thats your new limit, Congrats

[Anonymous]

UncleB - I was looking at the BT form and it said to provide Address of Creditor did you give them their address city state and all that? Essentially the only personal info I saw on the form was the account number is that right?

[UncleB]

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@Anonymous wrote:
UncleB - I was looking at the BT form and it said to provide Address of Creditor did you give them their address city state and all that? Essentially the only personal info I saw on the form was the account number is that right?

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When I did mine a few weeks ago it asked for the address and I did a 'copy and paste' from an online statement (since I don't get paper statements for the card I did the BT with). 

I was concerned this meant they were actually mailing a check, but they still sent it electronic/ACH... I think it took a couple of days to show up on the other account after it started processing (around three business days total - my BT was to USAA).

I have a feeling they use the account number for 'major' issuers but ask for the address just in case you're transferring to a lender they don't have electronic transfers already in place for (so they can mail it).  FWIW, both my BT last year and the one I just did were quick and drama-free. 

Edited to add:  They don't ask for the name on the other account, nor do they care. 

[rmduhon]

Congratulations on the CLI. I'm not so patiently waiting for the next AR to try for one myself. I just wish that the BT offer lasted longer.

[fltireguy]

Your cash limit should be $4050 - I believe that it is 30% of CL

[Anonymous]

Another Update - Just requested a CLI yesterday went to review and after logging in today it now says:


"Credit Limit
Increase My Credit Limit $20,500.00"

A $7,000 increase even though I'm carrying currently a 9k balance! NFCU is amazing and that increase will greatly help my UT until I PIF

[ls2016]

Awesome!!!! I'm still stuck at $14,300, which was my initial starting limit 8 months ago, although grateful for the approval and SL. I'm at max exposure, so I'm fine with that. Congrats to you!

[Anonymous]

Thanks! Yeah my profile has vastly improved since I got my card with them a year ago. When I started my FICO was about 640 now it's 700 with a higher AAOA, and a much thicker profile