Official NFCU CLI Guide

[baller4life]

Woohooo congrats!!

[danmfe]

Hey CA,  Thinking you may know...

I attempted an increase yesterday on my Flagship.  Last increase was in April, got 3-5 day message and got $1.5K via HP.   The first attempt yesterday gave me the condition exists error message. I was using chrome.  Switched to Firefox and tried again and got the same condition exists message.  Not too computer savvy but cleared my browser history and tried again....same message.   Finally, used my iphone and appeared to go through as I got the 3-5 day message.  Here's my question:  Doesn't all cli or applications show up in the "Check status of pending loan application status" link?  I could of sworn my last CLI request in April was there with a file number sorta speak.  As of today, I still have nothing showing when I check the status, only says there are no applications on file.  

Does this mean my final request may not have went through correctly even though it stated "we have received your request....yada yada yada...3-5 days?"

Thanks for any insight in advance. 

[Creditaddict]

I don't think cli show in pending loans.
I'd call and ask if they have a cli request showing on your account and status, if they can't find it then I'd go back to trying on a computer today with Firefox not on iPhone.

[Slim1Der]

Ok, so now we know that not always will they request Tax Returns for a CLI request over $25k. 

I requested $50k after 3 statments cut with a starting limit of $22k.

They requested pay statements (they needed 2 consecutive) but never mentioned tax returns. 

It took 3 days, but they kicked me up to $43k. 

[nitrov]

WOW! If you don't mind sharing, what's your income? I'm waiting for a response to my income verification, but they asked for pay stubs instead of a TR. It's been 3-4 days now

[Slim1Der]

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@nitrov wrote:
WOW! If you don't mind sharing, what's your income? I'm waiting for a response to my income verification, but they asked for pay stubs instead of a TR. It's been 3-4 days now

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I'm commission based and so far YTD im at $112k. How much did you ask for? How long have you had your card?

[nitrov]

I just got my first card about a month ago: 20k, and apped for my second one a couple days ago and got $5k. My income is around $150k, but I would be bouncing off the walls if they gave me anything like what you got. What's your FICO look like? I think I was around 728 when they yanked my last CR on the new card

[BarryNTexas]

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@Slim1Der wrote:

Ok, so now we know that not always will they request Tax Returns for a CLI request over $25k. 

I requested $50k after 3 statments cut with a starting limit of $22k.

They requested pay statements (they needed 2 consecutive) but never mentioned tax returns. 

It took 3 days, but they kicked me up to $43k. 

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WTG!   Was hoping for the best for you!

[Creditaddict]

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@nitrov wrote:
I just got my first card about a month ago: 20k, and apped for my second one a couple days ago and got $5k. My income is around $150k, but I would be bouncing off the walls if they gave me anything like what you got. What's your FICO look like? I think I was around 728 when they yanked my last CR on the new card

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give it 3 months and between your 2 cards you will probably have over $40k!

[Slim1Der]

They pulled EQ and I was a 702 at the time. MyFico Monitoring told me that the inquiry took me down a point!