NFCU CLI

[Anonymous]

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@credit_endurance wrote:

Congratulations donny10 on your Cli! Question for you how many statements have cut since you've had your card?

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4 cut, but I'm not including the first one because that cut a few days after being initially approved.

So my 3rd full statement closed yesterday.

[credit_endurance]

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@Anonymous wrote:

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@credit_endurance wrote:

Congratulations donny10 on your Cli! Question for you how many statements have cut since you've had your card?

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4 cut, but I'm not including the first one because that cut a few days after being initially approved.

So my 3rd full statement closed yesterday.

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Thanks. Good data points. I'm trying to put more spend on my cards with them to see if that makes some difference as well.

[Anonymous]

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@credit_endurance wrote:

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@Anonymous wrote:

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@credit_endurance wrote:

Congratulations donny10 on your Cli! Question for you how many statements have cut since you've had your card?

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4 cut, but I'm not including the first one because that cut a few days after being initially approved.

So my 3rd full statement closed yesterday.

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Thanks. Good data points. I'm trying to put more spend on my cards with them to see if that makes some difference as well.

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I only run around $500 through mine. I keep quite a bit of money in money market, checking and savings with them. But I doubt that had anything to do with getting the increase.

[Anonymous]

Hi donny, congratulations! That's $100 more than I was approved for with my cashRewards, December 2015. And, unlike you, I must have hit my head on something because I didn't even think to request more upon activation. At the time I was so shocked, and torn between applying for the LOC in addition, or waiting it out (I had plans to apply for a BCE too, which I did do, last January). Dang.

Anywho, enjoy your Go card!

[UncleB]

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@Anonymous wrote:

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@NYFan63 wrote:
Congrats Donny - I have not been on the boards for a while, work has been busy. Did NFCU change their policy of any CLI requests above $25l limit goes to immiediate review?

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I'm sure it would have went to review if I hit the max button.

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+1

I asked for my first (and only) CLI with Navy back in September, 10 months after getting my card with them.  I use the (then) new "max" button, and my request promptly went to review.  Two days and a HP later I did get a nice CLI so it turned out OK, but curiously I got a letter a few days later telling me that they were unable to grant my full request, but were counteroffering me with the amount they just gave me (in my case, a $4.7 bump to $20k).  The letter also gave me the option to turn down their offer (and have them undo the CLI), but I was happy to keep it.  

That led me to speculate that when the "max" button is used that an actual number is likely generated in their back-end systems that they then either grant or counter (as convoluted as that seems, in my past life in Telecom I saw even worse... LOL).  I will always wonder if I had simply entered the exact amount I wanted (which is actually exactly what they ended up giving me) if I could have slid by without the HP... but I'll never know.  Things that make you go hmm...  

Enough of that talk, though... huge congrats on a sweet no-HP CLI!    

(even with the HP, it's a sweet  CLI nonetheless!)

[Anonymous]

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@UncleB wrote:

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@Anonymous wrote:

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@NYFan63 wrote:
Congrats Donny - I have not been on the boards for a while, work has been busy. Did NFCU change their policy of any CLI requests above $25l limit goes to immiediate review?

---

I'm sure it would have went to review if I hit the max button.

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+1

I asked for my first (and only) CLI with Navy back in September, 10 months after getting my card with them.  I use the (then) new "max" button, and my request promptly went to review.  Two days and a HP later I did get a nice CLI so it turned out OK, but curiously I got a letter a few days later telling me that they were unable to grant my full request, but were counteroffering me with the amount they just gave me (in my case, a $4.7 bump to $20k).  The letter also gave me the option to turn down their offer (and have them undo the CLI), but I was happy to keep it.  

That led me to speculate that when the "max" button is used that an actual number is likely generated in their back-end systems that they then either grant or counter (as convoluted as that seems, in my past life in Telecom I saw even worse... LOL).  I will always wonder if I had simply entered the exact amount I wanted (which is actually exactly what they ended up giving me) if I could have slid by without the HP... but I'll never know.  Things that make you go hmm...  

Enough of that talk, though... huge congrats on a sweet no-HP CLI!    

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It was a HP, they pulled TU.

[UncleB]

Well darn... I saw 'instant' and I guess I'm programmed to read 'SP' at the same time!  That'll teach me to read more carefully next time... 

In any case it's still a great CLI and a great overall credit line... great job!  

[grillandwinemaster]

Congrats Donny, that's a great CL!

I'm planning on making my move with Navy around April, after I prime my TU.

Congrats again!