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Official NFCU CLI Guide

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09Lexie
Moderator Emerita

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

@CAnNY

Well done! I like your 'holy hot sugar snaps'. Smiley LOL
Message 721 of 5,746
madmann26
Valued Contributor

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

I got the itch again with the love button. Hit it on the Flagship and asked for 25k, immediate counter for 22k.

This the season!!!

This card has a zero balance and I just paid it off recently (4k balance).

Current FICO 9 Scores



Message 722 of 5,746
pizza1
Community Leader
Super Contributor

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

Madman.....WOW!!!! Contracts to you too!!!! The system works again!!! These approvals are amazing!! So happy for all of you!!!!! Congrats!!!Smiley HappySmiley HappySmiley HappySmiley Happy
Message 723 of 5,746
madmann26
Valued Contributor

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

Oh I am stoked. In Aug 2012 I didn't have a single card. I'm thankful, trust me.

Current FICO 9 Scores



Message 724 of 5,746
Scupra
Super Contributor

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

Congrats to both of you on the increases!!!!
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 725 of 5,746
USF813
Frequent Contributor

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

Does anyone have any evidence that the SP on 10/29 is used for recent CLI requests? I am intrigued now, but i'd rather not test the waters and risk a HP. I'm holding out for HARP3 so I can refinance my condo.

Message 726 of 5,746
pizza1
Community Leader
Super Contributor

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

Ugh!!!!!

Saw where navy SP me on 10/29 as well, but I'm not anywhere close up for CLISmiley Sad my account was opened on 10/12/13, with $500 CL , so I have several months to go before I can ask! But these reports back are so awesome to read!!!!!!

Maybe If all of you get cli now, then we all will be up again for sp at the same time, lol!! Maybe then ill be able to post at least triple digit successSmiley Happy. Meantime, I'm gardening and it stinks! Smiley Happy
Message 727 of 5,746
ktl72455
Valued Contributor

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

Ok so I have a question!

 

Nrward was 20,000.00  I took 5,000 over to Cash Rewards( no HP).  so now I have Nrewards 15,000.00  and Cash Rewards 5,000.00 so do I have room on Both now for CLI?

 

Both have very high UTL for the moment.  I have had NR for 6mo and CR 5months.

I just bought a car and have 10 INQ on EQ which they will pull if its a HP. I know NFCU dont care about inquirys. But th UTL is what I am wondering about.

 

 

Before I attempt this luv button .....

Whats are the thoughts on UTL being down first and age of cards?  I know the first time will prob result in a 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 728 of 5,746
madmann26
Valued Contributor

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

Navy does regular reviews. If your accounts with them are good and your CR looks equally as good, I say go for it.

Ktl,


Personally, I'd pay the until down first.

Current FICO 9 Scores



Message 729 of 5,746
RyVision
Valued Contributor

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


@ktl72455 wrote:

Ok so I have a question!

 

Nrward was 20,000.00  I took 5,000 over to Cash Rewards( no HP).  so now I have Nrewards 15,000.00  and Cash Rewards 5,000.00 so do I have room on Both now for CLI?

 

Both have very high UTL for the moment.  I have had NR for 6mo and CR 5months.

I just bought a car and have 10 INQ on EQ which they will pull if its a HP. I know NFCU dont care about inquirys. But th UTL is what I am wondering about.

 

 

Before I attempt this luv button .....

Whats are the thoughts on UTL being down first and age of cards?  I know the first time will prob result in a HP..

 

 


If you haven't been with Navy for over a year in total (like with checking\savings etc before the cards or car loan), you might want to wait.   They don't mind INQs or somewhat high UTIL but it depends on your file and history with them.  Less than a year might not be the history they might need to see to extend more credit with what you've listed is on your CRs.  For what you put in your siggy for a few past issues, I'd say you're doing fantastic already.  You might want to wait a while and have lower UTIL before asking for anything more...  

 

If you read through this thread (I think this is the correct one), you might find details on how the "luv button" supposedly works for HP and SP indicators, in case you want to try that route.   Navy isn't known for closing accounts, but it has happened.  Asking for too much too soon is usually the trigger from what I've read.


AKA 840flippedto480
Message 730 of 5,746
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