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Official NFCU CLI Guide

Regular Contributor

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


journey258 wrote:

 

What I did notice however, is that with the first request the approval popped up immediately after hitting enter. With the second request, after I hit enter there was a second "confirmation" screen confirming my request. I should have stopped there, because I didn't remember that happening the first time. After submit, the 3-5 msg.


 

Ooooh!! Now this gets me excited!  Smiley LOL Can anyone else recall noticing this for a SP or HP? 

NFCU Cash Rewards $16,100/FNBO Platinum $9.100/Best Buy Citibank $2,500/Care Credit $7,600/TJ Maxx $1000/Neiman Marcus $7000/Saks5thAve $2500

Starting Score: 426 Ch. 13 BK Filed Sep 2009; Discharged Jan 2013 Smiley Happy
Current Score: TU 706 EQ FICO 701 EX 704
Goal Score: 720

Message 61 of 5,746
Valued Member

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

Rhaeny maybe on to something. Journey258 dd you get an instant after you hit continue on the screen that says Provide Primary Cardholder's information or was it the next screen after that.

| NFCU Platinum Visa 14K | NFCU NavCheck 13.5K | AMEX BCE 9.6K |
| USAA Rewards Visa 7K | USAA Cash Rewards Visa 7K | Discover it 1.5K|

NOV 2013 TU -739 EQ - 709 EX - 739
Message 62 of 5,746
Valued Contributor

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


madmann26 wrote:
Simmer down Rhaeny....lol

I know right!!...LOL


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 63 of 5,746
Frequent Contributor

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


Blu3 wrote:

Rhaeny maybe on to something. Journey258 dd you get an instant after you hit continue on the screen that says Provide Primary Cardholder's information or was it the next screen after that.


Yes. The second time when I got the 3-5 day msg, I got the confirmation screen.


Current Score:652 EQ (Beacon 5.0), 647 EX, 647 EQ, 693 TU (USAA CMS), 684 TU (Walmart)
Goal Score:700 across the board

My Wallet: NFCU cashRewards Sig ($14k); Chase SW RR Sig ($6); USAA Cash Rewards MC ($2k); USAA Plat MC ($2k); USAA AMEX ($2k) GE/JC Penney ($4.4k); Chase Freedom ($1.5k); GE/Lowes ($1.8k); GE/Amazon ($1.7k); GE/Walmart ($5k); Cap 1 ($1k); Comenity/LB ($1K); Dillards AMEX ($2.1k)
Message 64 of 5,746
Valued Member

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

We may have just found a way to avoid HPs on CLI's all together.

| NFCU Platinum Visa 14K | NFCU NavCheck 13.5K | AMEX BCE 9.6K |
| USAA Rewards Visa 7K | USAA Cash Rewards Visa 7K | Discover it 1.5K|

NOV 2013 TU -739 EQ - 709 EX - 739
Message 65 of 5,746
Established Contributor

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


Blu3 wrote:

We may have just found a way to avoid HPs on CLI's all together.


Now, I'm really tempted to do this. But until we get a firm result on this, I will wait until then.


2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700

Take the myFICO Fitness Challenge
Message 66 of 5,746
Valued Contributor

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

Come to think of it,


When I was doing my requests, I was never given the confirmation screen, it was just BAM! instantly approved.

 

 

Scores: about 700 across the board
Total CL: $275k
Message 67 of 5,746
Established Contributor

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

I had second thoughts about going through with it. Can someone tell me if I got that "second" screen?

 

-I submitted the info for CLI on the first page (basic info, limit amount, etc.), then I got to the next page with the co-applicant's information (wife's info), then I got a "review and confirm" page. Does that last page count as the "second" screen a poster mentioned about it resulted in a HP? Or is that considered the standard "first" screen?

 

I chickened out before proceedeing onward...


2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700

Take the myFICO Fitness Challenge
Message 68 of 5,746
Valued Contributor

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

I am curious to know this also....
*8/10/13
Message 69 of 5,746
Valued Contributor

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


CashOnDelivery wrote:

I had second thoughts about going through with it. Can someone tell me if I got that "second" screen?

 

-I submitted the info for CLI on the first page (basic info, limit amount, etc.), then I got to the next page with the co-applicant's information (wife's info), then I got a "review and confirm" page. Does that last page count as the "second" screen a poster mentioned about it resulted in a HP? Or is that considered the standard "first" screen?

 

I chickened out before proceedeing onward...


I'm trying to remember exactly.  I put in my info (no co-applicant) which was salary, housing and amount, then another screen popped up re-confirming what I put in and I hit submit, it is the next screen (3rd) that popped up and gave me the increase without the hp.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 70 of 5,746