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Official NFCU CLI Guide

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Rhaeny
Valued Contributor
‎05-16-2013 06:19 PM
‎05-16-2013 06:19 PM

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

@trubliever82 wrote:

After reading this thread I got the ich to app again for cli. asked for $20k from $15 and got 3-5 day message. 10 mins later seen my limit was $25K!!! So i asked for $20k on crewards and got it instantly. Also appd for cli from $5k to $10k on navcheck, but got credit decision usually made in an hour, so we will see.

So?  Inquiring minds want to know what happend with NavCheck!

 

Congrats on your other CLI's!!!


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 151 of 5,746
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trubliever82
Regular Contributor
‎05-16-2013 10:48 PM
‎05-16-2013 10:48 PM

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

Conditionally approved. Gotta get pay stubs and bank statement. Told them I'd like $15k instead of $10k. They told me to call in once I fax in and they would probably be able to do it. I figured if I'm goin to have to send in docs, mine as well shoot for the moon. The crewards card that they gave me increase on today from 15 to 20, Tonight I appd for $25k and instant approval. So $25k to $30k of increases in a day ain't bad
Message 152 of 5,746
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madmann26
Valued Contributor
‎05-17-2013 04:30 AM
‎05-17-2013 04:30 AM

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

I gotta ask this,

 

How soon after a 4 month CLI, do I take the chance and ask again? Smiley Very Happy

 

 

Current FICO 9 Scores



Message 153 of 5,746
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GetTheFico
Regular Contributor
‎05-17-2013 06:52 AM
‎05-17-2013 06:52 AM

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

To avoid starting a new topic, can anyone answer whether or not I have to use the NFCU member mall to take advantage of their rewards program? I've signed up already but not sure if I can go to let's say, Holiday Inn's website to book a stay or must I access it through the member mall. Thank you.

EQ: 780
EX: 767
TU: 779
Message 154 of 5,746
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Sitori
Frequent Contributor
‎05-17-2013 02:04 PM
‎05-17-2013 02:04 PM

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

I dont want to jack this thread but since everyone here is a member I thought I would ask....

 

When you app for NFCU for the membership and a CC, does your FICO go up or down?  The CC is a new account so does it drop your score?  I've heard mixed things about score going up and down so I'm not sure. I just finally crossed the 700 mark and I will CRY if it drops again lol.


-------------------------------------------------------------------------------------------------
EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).
Message 155 of 5,746
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Revelate
Moderator Emeritus
‎05-17-2013 02:15 PM
‎05-17-2013 02:15 PM

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

@Sitori wrote:

I dont want to jack this thread but since everyone here is a member I thought I would ask....

 

When you app for NFCU for the membership and a CC, does your FICO go up or down?  The CC is a new account so does it drop your score?  I've heard mixed things about score going up and down so I'm not sure. I just finally crossed the 700 mark and I will CRY if it drops again lol.

Inquiries at best hurt 0, and they may drop your score depending on your specific inquiry count and bucket.

 

New credit cards help if your number of revolving tradelines is below around two; this is the mix of credit function at work.  Anecdotally we know 1 is too few to maximize this, but the jury is out on 2 vs. 3.  I'm inclined to state 2 as installment tradelines appear to work the same way.  Noah's Arc of FICO, 2 x 2  is goodness.

 

New credit cards will drop your AAoA, which may or may not impact your score.

 

Other than the near thin file situation where adding accounts is absolutely beneficial, a new account is never a positive as far as FICO goes.  AU's and Amex backdating are outliers, but neither apply in this scenario.

 




        
Message 156 of 5,746
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flyingace
Valued Member
‎05-17-2013 02:27 PM
‎05-17-2013 02:27 PM

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

OMG! I was emboldened by this thread, and decided to press the LUV button for my cashRewards. It's been just over two months (account I believe was opened on 3/6). Submitted the info and asked for 1800 (from 1500) and passed the SECOND confirmation screen. BAM. Instant approval!!! 

 

So excited, tempted to ask for more LOL. 

In my Snoopy holder: NFCU Flagship Sig Visa-- $11K | Chase Freedom -- $2500 | AMEX BCE -- $2000 | Amazon Visa -- $2000 | Discover It $1500| Old Navy Visa -- $1000 | Target Red Card -- $300

TU (Disc Pull 4/29/13) -- 752 | AmexEQ (6/13/13) -- 728 | AmexEXP-- 737 | AmexTU-- 737 (5/28/13)
Goals: 740 EQ/EXP/TU
Gardening until 12/3/13 -- or longer
Message 157 of 5,746
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Sitori
Frequent Contributor
‎05-17-2013 02:29 PM
‎05-17-2013 02:29 PM

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

I have 3 CC's and 2 student loans that are in defferment.  Does that count as a thin file? lol

 

I thought having more accounts was better for credit. ?  I got that from Credit Karma, since my "number of accounts" grade is an F. hahahha. It shows the more you have the higher grade you have. Confusing.

 

 


-------------------------------------------------------------------------------------------------
EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).
Message 158 of 5,746
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ktl72455
Valued Contributor
‎05-17-2013 03:20 PM
‎05-17-2013 03:20 PM

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

Sitori  when I got my 20K NRewards card approved on 5/12/13 my EQ was 660 and with the HP it is now 653 but I know when it reports my score will go up and every month it gets older my scores will improve allong with the age. So for me, it was worth the HP.

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%
Message 159 of 5,746
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shols44
Frequent Contributor
‎05-17-2013 04:48 PM
‎05-17-2013 04:48 PM

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

@flyingace wrote:

OMG! I was emboldened by this thread, and decided to press the LUV button for my cashRewards. It's been just over two months (account I believe was opened on 3/6). Submitted the info and asked for 1800 (from 1500) and passed the SECOND confirmation screen. BAM. Instant approval!!! 

 

So excited, tempted to ask for more LOL. 

You only asked for 1800? You deserve a cyber uppercut! Log back in and ask for a large testicle sized increased like 15K increase!

Starting Score: 501
Current Score: 754 EQ,TU 745,EX 750
Goal Score: 800
Message 160 of 5,746
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