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Official NFCU CLI Guide

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cem13
Established Contributor

Re: Official NFCU CLI Guide

I had a SP at the end of December.  I have not looked recently.  Did they AR at the end of March?

FICO 08 JUL23: TU 850; EQ 846; EX 843. Clean since BK7 D/C 6/2011.
Message 2901 of 5,746
Scupra
Super Contributor

Re: Official NFCU CLI Guide

No, most of us had AR end of FEB
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 2902 of 5,746
Anonymous
Not applicable

Re: Official NFCU CLI Guide

I have a cashRewards card with a $25000 cl and a goRewards with a $15000 sl. i've been lurking this thread for awhile. I must be in the minority, but I got an NFCU ar on March 26, 2015 (previous one on December 1, 2014) so I requested a cli on my goRewards to $25000 and was immediately approved. Very happy. Smiley Happy

Message 2903 of 5,746
Anonymous
Not applicable

Re: Official NFCU CLI Guide

Sorry if this has been asked and answered but i searched and couldn't find a definitive answer. My Navy cash rewards was approved on Feb 25th for $3,000 and the AR sp was done on March 3rd. I was going to apply for an increase after May's statement. My question is how long is the AR sp good for? Is it 30, 60 or 90 days? Thanks for any help

Message 2904 of 5,746
Creditaddict
Legendary Contributor

Re: Official NFCU CLI Guide

I would wait 3 statements minimum AND until an AR was done after that 3 statement period... Some happen to fall on AR times and I think why the 3 month rule came but other might not hit an AR until 4 statements and I'd wait to be safe.
Message 2905 of 5,746
kbrann72
New Visitor

Re: Official NFCU CLI Guide

Ok. Thanks for the help.

Message 2906 of 5,746
biglista88
Regular Contributor

Re: Official NFCU CLI Guide

Just hit the luv button again. On a card that's only one month old , NFCU has doubled my limit from it's original 3.5k limit to 7k. I asked for the full 25k and was immediately countered.

REBUILD STARTED (AGAIN) 9/1/2023


Current Scores 4/4/24

“Breathing new life into a dead credit file”
Message 2907 of 5,746
biglista88
Regular Contributor

Re: Official NFCU CLI Guide

Hit the luv button yet again and NFCU matched my 7k limit on my cash rewards card for my GoRewards. I asked for the 25k and was countered. Everything in this thread has worked 100% for me Smiley Happy
REBUILD STARTED (AGAIN) 9/1/2023


Current Scores 4/4/24

“Breathing new life into a dead credit file”
Message 2908 of 5,746
Anonymous
Not applicable

Re: Official NFCU CLI Guide

Has anyone ever gotten approved for a credit card and then immediately hit the cli button? I wonder if anyone ever gets an automatic increase...
Message 2909 of 5,746
Anonymous
Not applicable

Re: Official NFCU CLI Guide

Hello I am about to start my mortgage pre-approval process. I don't want any HP , but I want to try to raise my 15K limit to atleast 20K to lower my utilization. 
How do I see when NFCU last did a SP, and what is the general rule for hitting the luv button for a SP?

I have myFico 3 bureau credit monitoring, I don't see ant soft pulls.

 

Any way I can call to see if they will HP or SP?

Message 2910 of 5,746
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