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CLI - NFCU

New Contributor

CLI - NFCU

I was initally approved for a 2k line through NFCU cashrewards card about 1.5 years ago (same time my fico was around 550's).  Fast forward to today (after some baddies fell offf) my score is 685 and decided to "pull the trigger" after viewing several differnt threads on this board about CLI and app's for Credit Cards.  I was insta-approved for $7500 (wasn't sure how high to go, and didn't want to see the 3-5days messsage!!!).  Almost a 4x limit increase, this helps drop utilization (which I keep the card around 300-500 and will stay at!!!).  After the .00001 secs to approve, I decided to shoot for the visa flag card (this time I got a 2-3 days to process message).  I will not be applying for anymore credit cards, want my Age of accounts to increse and credit inq's to drop off (not sure if NFCU did a HP yet).

Message 1 of 23
22 REPLIES
Contributor

Re: CLI - NFCU

Congrats!  That's a pretty nice CLI! 

Message 2 of 23
Super Contributor

Re: CLI - NFCU

Congrats on the CLI and also possible approval !! You might end up with two separate HPs ( NFCU is pull~happy Smiley Tongue ) but IMO it is worth it !
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 3 of 23
Frequent Contributor

Re: CLI - NFCU

Congrats, mine was an Auto CLI with just a soft pull super awesome!!!


Starting Score: EQ FICO 777
Current Score: EQ FICO 803
Goal Score: EQ FICO 810


Take the FICO Fitness Challenge

Message 4 of 23
New Contributor

Re: CLI - NFCU

I hope it was a SP for at least the increase, if the card is denied I will be reconing and asking for the 5k limit on it and put the other card at 2.5k (makes since in my mind, same credit line; just on 2 seperate cards).  Well will know by Thursday at the latest *watche's the clock tick by*.

Message 5 of 23
New Contributor

Re: CLI - NFCU

So got a txt message this morning saying "approved" for the flagship. 

Message 6 of 23
Frequent Contributor

Re: CLI - NFCU

Awesome!


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 7 of 23
Super Contributor

Re: CLI - NFCU


skyisthelimit wrote:

So got a txt message this morning saying "approved" for the flagship. 


Congrats !  Definately let us know once you find out how many HPs they did.....Smiley Wink

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 8 of 23
New Contributor

Re: CLI - NFCU

Well it has been over a month and CLI alongwith the new card are reporting.  There is no HP showing up on my credit report!  This makes me app'ing for cards in Jan that better of a chance to be approved!!!

Message 9 of 23
Moderator Emeritus

Re: CLI - NFCU

Wow awesome!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 10 of 23