Official NFCU CLI Guide

[Jerel82TX]

So, I was approved for my GoRewards 6 months now. It was originally approved at $2,600 and increased to $8,200 three months later. Yesterday, I decided to try for another CLI and requested 25K. Consequently, they offered $17,500, which I gladly accepted. Since this was my first SP CLI, I decided late last night to try applying for my second card ( Platinum Card). In doing so, I received a message stating that I would get a decision within 1 business day. Thoughts? 

[Anonymous]

It just means they couldn't do an auto approval or instant approval so underwriting is going to look at it manually.

[Truth316]

Just got approved from $500 - $5000 on my Rewards card. I have about 86 inquires and one collection im working to get removed on my Equifax report. At first I got the condition message and called them (did before i read this thread) The told me to call back around noon. So i checked around 9 and there was my $5000 CLI!!!

[michaels88369]

86 inquires?

[Truth316]

Yup that's correct 86. Alot of them were from 2014 and due to come off later this year, and alot from a recent dealership visit.

[LordP]

what do your score and income look like? If you dont mind me inquiring.

[Truth316]

They pulled my TU score. TU fico is 640 and the Mortgage score is 681. Income is 65k

[Jerel82TX]

So my 2nd card with denied after the 9,300CLI. Is it possible to recon this? 

[Anonymous]

You can try to but it was reviewed by an underwriter so I wouldn't put too much stock into a turned decision.

[Jerel82TX]

Got It