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Valued Contributor
dodfire
Posts: 1,453
Registered: ‎04-14-2012
0

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

I say you have a 50/50 chance on it being a HP. History has shown that the FIRST time you request a CLI it is a HP and then SP's after that until you hit your max. However, with you having an auto increase....you might be able to max out with just a SP.

IF you request an increase....go for the max...NFCU loves to counter-offer!!!

*8/10/13
New Member
ElVerde
Posts: 7
Registered: ‎06-18-2013
0

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

[ Edited ]

ElVerde wrote:

So...dilemma.

 

I JUST applied and was approved for 6k CL on Slate yesterday, Have a NFCU cashrewards that was automatically increased from 10k to 11.5k YESTERDAY without me asking. These are my only 2 cards

 

So I come accross this thread and how can I possibly resist going for it?

 

Attempt 25k: I get the 2nd confirmation page.

Attempt 20k: I get the 2nd confirmation page.

Attempt 15k: I get the 2nd confirmation page.

 

Ugh...do I take the hard inquiry now (1 day after applying and being approved at chase) to get my 25k, or wait it out a bit? I hate to get another inquiry on my credit file (currently have 3 including what I'm sure will be the chase inq), but maybe it's worth it?

 

I have never requested a CLI on NFCU btw...just auto inc from 2k to 11.5k in almost 3 years. 


Update...because I have an issue with patience.

 

I just went for it and, despite the 2nd confirmation page...drumroll...INSTANT counteroffer of 17k. INSTANT acceptance by me, so presumably SP! I'll have to do this again sometime :smileywink:

 

Just thought I'd share with anyone apprehensive about clicking the "love button"

 

Edit: I requested 25k and got countered 17k

Valued Contributor
dodfire
Posts: 1,453
Registered: ‎04-14-2012
0

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

Awesome!!!!! Way to Go !!!

*8/10/13
New Member
ElVerde
Posts: 7
Registered: ‎06-18-2013
0

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

Thank you!

 

myFICO should be required reading for everyone...I've been here 2 days and gone from:

 

1 card, 10,000 CL, 58% util

 

to

 

2 cards, 23,000 CL, and 13% util (I paid down some debt thanks to some advice here)

 

ON ONE HP!

 

:smileyvery-happy:

Valued Contributor
dodfire
Posts: 1,453
Registered: ‎04-14-2012
0

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


ElVerde wrote:

Thank you!

 

myFICO should be required reading for everyone...I've been here 2 days and gone from:

 

1 card, 10,000 CL, 58% util

 

to

 

2 cards, 23,000 CL, and 13% util (I paid down some debt thanks to some advice here)

 

ON ONE HP!

 

:smileyvery-happy:


AND......who knows how much you just raised your credit score!!! :smileyhappy:

*8/10/13
New Member
ElVerde
Posts: 7
Registered: ‎06-18-2013
0

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


dodfire wrote:

AND......who knows how much you just raised your credit score!!! :smileyhappy:


I can't wait to find out...I'm cheap :smileysad: so I don't actually pay to see my scores, but CK had me at 702 before all of this. Can't wait to see the impact!

Valued Contributor
madmann26
Posts: 1,453
Registered: ‎08-30-2012
0

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

That'll bring it up nicely.

 

 


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 690|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
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New Contributor
VinnyofLegend
Posts: 74
Registered: ‎04-13-2013
0

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

Thanks guys!

 

After being snubbed by Barclaycard today...500CL couldn't get ANY kind of increase, I'm just going to focus on NFCU getting my APRs down instead.

 

I have two cards, one at 10k, the other 13.5k, just took both of them to 25K instantly :smileyhappy:

 

Total 26.5K increase in overall CLs, I'll take it :smileyhappy:

 

Love NFCU!

Epic Contributor
Creditaddict
Posts: 22,064
Registered: ‎10-23-2007
0

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


VinnyofLegend wrote:

Thanks guys!

 

After being snubbed by Barclaycard today...500CL couldn't get ANY kind of increase, I'm just going to focus on NFCU getting my APRs down instead.

 

I have two cards, one at 10k, the other 13.5k, just took both of them to 25K instantly :smileyhappy:

 

Total 26.5K increase in overall CLs, I'll take it :smileyhappy:

 

Love NFCU!


What is Barclay reason for NO CLI from $500 but you got so much with Navy?!

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
New Contributor
VinnyofLegend
Posts: 74
Registered: ‎04-13-2013
0

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

Barclays just hates me :smileysad:

 

There are no negatives on my report. Oldest account 13 years. AAoA 4 years. Multiple completed vehicle loan/leases. Student loans 4 months from completion. Only unfortunate thing is utilization was about 20%. I think it may be 16% now after the NFCU CLIs...

 

They didn't like my one BoA balance at promo APR (which I wanted to transfer to them to save a tiny % after promo ends, my BoA is at a decent 10.24APR). I've paid this down about 5K since originally transferring to it.

 

They apparently didn't like my Penfed loan. I've been paying every 2 weeks on this, I'm about 2 months ahead of the schedule now.

 

They apparently didn't like that I opened rewards cards last year after having virtually none (these are all PIF and all older than my Barclay Ring card). AAoA was 6 years before these rewards cards and recent lease changes went in.

 

They said I could try again after lowering the balance on the BoA, and the Penfed loan, and letting my rewards cards age more... (they're all 6+ mos today, will be 1 year by end of the year)

 

Once I get the Navy Plat card down to base APR (went from 15.99 to 11.99 last Oct, going to try for 7.99 this year), I will likely just move the balance to that. If not, the BoA APR isn't that bad.

 

I offered Barclay business that I have consistently given to BoA for over 6 years. I guess they didn't want easy money.


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