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Official NFCU CLI Guide

Established Contributor

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


Brusilov wrote:

I'd had strictly auto-CLIs from a starting limit of 5k up to 10.5K where it was currently.  Decided to give this a try - asked flat out for 25,000 and they countered with 12,500.  Soft pull.  I'll have to keep doing this every once in a while!  Thanks for the tip.



How long have you had your card? I have had mine 10 months. When did you get your auto CLIs?

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 11 of 5,746
Contributor

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

Awesome thread. Should start updating with CLI, how long active, and balance. I think that could be helpful.


Starting Score: Low 500's (2011)
Current Score:My Fico - 661
NFCU cashRewards 17.5k | NFCU GoRewards 14k |Fred Meyer Rewards Visa (USBank) 1k | Best Buy 2.8k | Walmart 1450 | Target 300 | Amazon 2.1k | CareCredit 2.6k | Macy's 1.5k | Macy's Furniture 3.5k | Lowe's 3k | Discover It 1.8k
Message 12 of 5,746
Regular Contributor

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

I agree instant is aleays a SP and 3-5 message is always a hard also 3 to 4 month for cli seems to be accurate as for me 

my cash reards went from 5k to 20 k in 8 months and my flagship went from 5k to 22k in  also 8 months i always ask for 25k but always couter with 20 or 22 k.

 

my navyfed account::

cash rewards siggy 20K

nrewards visa 20K

Flagship siggy 22K

Navcheck 15K

personal loan 26K balance 11K

Message 13 of 5,746
Frequent Contributor

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

I called in and sent a secure message and both told me it would be a hard pull for a CLI. Does that mean I am not eligible for a CLI with a soft pull? I thought I read that most reps will tell you it will be a hard pull no matter what but that it isn't always true. Should I tempt fate and try it? I am at 3.5k and I just want to get to 5k total.

Scores: EX - 769 (Amex FICO 5/21/16) TU - 763 (Discover FICO - 4/30/16), EQ - 795 (Citi FICO - 5/24/16)
Current Cards: Amex BCE - 10k, NFCU cashRewards Sig - 8k, Discover It - 10k, Citi Dividend WE - 8k, Chase Freedom - 4k, Chase Amazon Visa Sig - 4k
Last App: 3/4/2016.
Message 14 of 5,746
Established Contributor

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

Creditaddict - thx for starting this post.

 

I've had my Cash Rewards, recently upgraded to Visa Signature for 8 months.  I went from $500 to $8,000 all HP's on EQ.   All CLI were requested online. 

Message 15 of 5,746
Valued Contributor

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

For me:

Opened cash Rewards - 12/2012 - 3k limit - 598 EQ

3/2012 - asked for cli - declined (asked for a lot)

4/2012 - asked for 1k cli - granted with HP - 4k limit

Week of 4/25 - asked for $500 - granted via SP

I did 3 more $500 requests - all granted instantly - 6k limit now.

I did one final request - asked for 17k - instant counter for 10k.



Scores: about 700 across the board
Total CL: $275k
Message 16 of 5,746
Epic Contributor

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


JollehRoger wrote:

I called in and sent a secure message and both told me it would be a hard pull for a CLI. Does that mean I am not eligible for a CLI with a soft pull? I thought I read that most reps will tell you it will be a hard pull no matter what but that it isn't always true. Should I tempt fate and try it? I am at 3.5k and I just want to get to 5k total.


They always say this.

Do it online and ask for $25k, bet you will end up with WAY more than $5k!

Message 17 of 5,746
Frequent Contributor

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

No B.S., I've had my card for about a couple of weeks. It's at home with the wife while i'm here in Afghanistan(i have the cc number if i ever want to use it though) started off with $1000 limit, and a couple of days ago, decided to tap the luv button because of everyone posting on here about the outrageous limits they were getting. nothing instantly. took 2 HP's but got up to $10k in 3 days. I'm going to use the mess out of it this summer, PIF and then at the beginning of the new year, when my scores are up and history is established, go for $15-20K. And again, in my case, being active duty, the only thing I had to provide for the increase to $10K was my past 2 LES's.

Amex PRG(NPSL), Amex BCE($5K), Amex Hilton($1K), NavCheck ($15K), NFCU CR Siggy($20K), USAA Amex($7K), USAA World MC($7K), CSP($2.3K), Chase Marriott($1.8K), Care Credit($2.5K), Cap1 QS($3.5K), VS($500), Cap1 Secure($200) Starting Scores(Jan 2013): FICO EQ: 643, TU: 552, EX: 567 Current Scores(Sept. 2016): FICO EQ: 672, TU: 703(?), EX: 682 In the Garden FOR-EV-ER!!!!! Cards and goals achieved! Let's grow and mature these babies!!!
Message 18 of 5,746
Frequent Contributor

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

I filled out the form and hit submit. It popped back saying I could go up to 5000 instantly or submit for further review. I chose the 5000 instantly. Does that mean it was a soft pull?

Scores: EX - 769 (Amex FICO 5/21/16) TU - 763 (Discover FICO - 4/30/16), EQ - 795 (Citi FICO - 5/24/16)
Current Cards: Amex BCE - 10k, NFCU cashRewards Sig - 8k, Discover It - 10k, Citi Dividend WE - 8k, Chase Freedom - 4k, Chase Amazon Visa Sig - 4k
Last App: 3/4/2016.
Message 19 of 5,746
Valued Contributor

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

Yep

SP it is!
Scores: about 700 across the board
Total CL: $275k
Message 20 of 5,746