Official NFCU CLI Guide

[Anonymous]

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@Creditaddict wrote:

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@Anonymous wrote:

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@Creditaddict wrote:

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@Anonymous wrote:

I thought NFCU only did AR every 3 months? I had 1 on 09/01/15 and then 10/27/15 so whats up with that?

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they started doing bi-monthly but is this a new card? you may have received AR right after approval on 9/1 and then the bi-monthly that the rest of us got which was 10/27.

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# 1 over 1.8 years old and , #2 one is 7 months old i think

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CL's?

Did you ask for CLI?!

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Hey Creditaddict,  Since I got AR on 09/01 and asked for a CLI MAX , they came back with a counter offer (19K)  that I took around 09/25, and since I got AR again 10/27 should I again go in and ask for a CLI MAX again..

[Creditaddict]

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@Anonymous wrote:

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@Creditaddict wrote:

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@Anonymous wrote:

---

@Creditaddict wrote:

---

@Anonymous wrote:

I thought NFCU only did AR every 3 months? I had 1 on 09/01/15 and then 10/27/15 so whats up with that?

---

they started doing bi-monthly but is this a new card? you may have received AR right after approval on 9/1 and then the bi-monthly that the rest of us got which was 10/27.

---

# 1 over 1.8 years old and , #2 one is 7 months old i think

---

CL's?

Did you ask for CLI?!

---

Hey Creditaddict,  Since I got AR on 09/01 and asked for a CLI MAX , they came back with a counter offer (19K)  that I took around 09/25, and since I got AR again 10/27 should I again go in and ask for a CLI MAX again..

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I would wait until next round of AR.

now would be good time to consider a 2nd card though (will be hp but since you are close to max on first card)

[Anonymous]

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@Creditaddict wrote:

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@Anonymous wrote:

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@Creditaddict wrote:

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@Anonymous wrote:

---

@Creditaddict wrote:

---

@Anonymous wrote:

I thought NFCU only did AR every 3 months? I had 1 on 09/01/15 and then 10/27/15 so whats up with that?

---

they started doing bi-monthly but is this a new card? you may have received AR right after approval on 9/1 and then the bi-monthly that the rest of us got which was 10/27.

---

# 1 over 1.8 years old and , #2 one is 7 months old i think

---

CL's?

Did you ask for CLI?!

---

Hey Creditaddict,  Since I got AR on 09/01 and asked for a CLI MAX , they came back with a counter offer (19K)  that I took around 09/25, and since I got AR again 10/27 should I again go in and ask for a CLI MAX again..

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I would wait until next round of AR.

now would be good time to consider a 2nd card though (will be hp but since you are close to max on first card)

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 I have 2 cards,  one is a year and half old and the other I think is 7 months old , when they wouldn't release my secured card I applied for 2nd card back in April then they released it lol.  And I CLI both at same time on that 09/01 AR

[Anonymous]

NFCU is too generous Went from 22k on Go Rewards to 25k with an instant soft pull (first time asking for a CLI). I have another Go Rewards rewards account I opened about 9 months ago (2nd card before they coverted my nRewards to a Go Rewards a few weeks ago) went from 3k to 25k with a soft pull CLI.. My spiouse went from 15k to 25k also with an instant CLI on a Cash Rewards card.

Overall, they gave us $35K in instant CLIs. Scores are both around 740s and $100k income each.

[Anonymous]

So I'm new to all of this credit stuff, but I came across this thread & I've been reading through all of the pages. I'm currently on page 159 but I'm determined to read it all. In the meantime, here's my NFCU/credit story.

I believe I joined in March 2015.

I initially opened up just a checking & savings account.

A few days later, I applied for their cashRewards card & I was approved with a $500 limit. 

No previous credit history other than a victoria secret cc that I hadn't even used.

I began to wonder what my credit score was so I signed up for CreditKarma. 

According to them my TU is 700 & EQ is 715. I also found out that NavyFed already did two HPs (one when I opened a checking/savings and one a few days later when I applied for the cc)

I found this forum about a week ago & started learning about CLI & whatnot and thought I'd give it a shot. Here's how that went:

$500 to $1500 on 11/15/15 (insant approval- SP)

$1500 to $2000 on 11/16/15 (instant approval- SP)

$2000 to $5000 on 11/16/15 (instant approval - SP)

$5000 to $10000 on 11/16/15 (instant approval - SP)

$10000 to $25000 on 11/20/15 (3-5 day message. called immediately to cancel because I didn't want another HP)

From reading this thread, I can already hear CreditAddict telling me I should've applied for the full 25k the first time.....Yeah, I know.

Now I'm wondering where I should go from here...

Any advice?

My current interest rate is a ridiculous 17.99% & I'd like to get that lowered. Do I just call and ask/send a secured message or something??

[Creditaddict]

Apr reductions are once every 12 months or you could try to do a product change and see if the new card will be lower rate or just cancel your request to product change!
You just call in for apt reductions every 12 months

[Anonymous]

if they didn't counter you on that last one then you're maxed at the $10k for now but it'll grow soon

[Anonymous]

Oh okay. Thanks for the quick response guys!

[Anonymous]

question. i went to apply for the goReards on the phone and it wasn't processed. is that a sign i should stop haha

[Kooliad]

Which Equifax site show the AR from NFCU? I would like to order a credit report but want to make sure it show AR's