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Valued Contributor
madmann26
Posts: 1,432
Registered: ‎08-30-2012
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Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"


kampfer09 wrote:
I have a question in regards to CLI. It shows your current CL and then there asking credit limit. so if you have $7k limit and want $15k do you put $15k or just ask for the difference? I'm a bit con fused on this.

It's the total amount you want your limit to be.

 

 


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
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My Journey
Regular Contributor
Siopao
Posts: 125
Registered: ‎03-09-2013
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Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"


blunderer wrote:

Siopao - based on the cards your signature shows you have, I doubt if it's the BK since NFCU granted you the goRewards and you have the Siggy.  Maybe there is an internal limit with having multiple cards in addition to an internal limit on an individual card?  I think I'll do as suggested and call to ask about my internal limit including if that limits me being approved for another card with them. Currently I only have the one Visa Signature card. Not that I plan on apping it'll just be good to know.


It could very well be the case.  I do eventually want to get the Flagship, so I'll try to increase the goRewards and eventually do a PC to Flagship.  But for now, I'm in the garden for a while!

 

Let us know if you're able to get your internal limit from NFCU.

Starting Score: 660 (BK discharged 2/2012)
Current Score: 684 - EQ | 679 - EX (Lender pull)
Goal Score: 720+

Wallet: NFCU Flagship Signature 14k | NFCU cashRewards 1K | NavCheck 15k | Barclays US Air 2.1k | Merrick 1.4k | Credit One 550 | Cap One 750 | Last app 5.5.2013
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blunderer
Posts: 368
Registered: ‎01-09-2013
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Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

No go on getting the internal limit from NFCU. 

 

I specifically asked if my internal limit for $10k on my Siggy was my internal limit across the board for NFCU cc's, meaning since I hit that limit, I would not be approved for an additional card.  I was told that each application for new credit would be reviewed separately and determined accordingly.  Like I said I wasn't going to app since NFCU HP every time the did a CLI I now have 6 inquiries from them alone so no new cc's for me.

 

Note, I did speak directly to the cc department so not sure if that made a difference in the response given.

Regular Contributor
Siopao
Posts: 125
Registered: ‎03-09-2013
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Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

Thanks for the update.

Starting Score: 660 (BK discharged 2/2012)
Current Score: 684 - EQ | 679 - EX (Lender pull)
Goal Score: 720+

Wallet: NFCU Flagship Signature 14k | NFCU cashRewards 1K | NavCheck 15k | Barclays US Air 2.1k | Merrick 1.4k | Credit One 550 | Cap One 750 | Last app 5.5.2013
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jordanmedical
Posts: 1,011
Registered: ‎04-08-2012
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Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

kLT, i GOT APPROVED FOR BOTH MY NAVCHECK 2.5k AND MY CASH REWARDS (3k) AT EQ584, 2 MONTHS AFTER GETTING A SEC NREWARDS

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

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Established Contributor
ktl72455
Posts: 831
Registered: ‎12-09-2012
0

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

Jordanmedical I would have worried less if he had your 584!!  His 568 had me figuring ..NO!!  But I was wrong :-)

 

Congratulations! Based on your creditworthiness, you have been approved for a
nRewards Visa credit card. Your new credit line will be $5,000.00. Your APR will
be prime plus 14.74%. You should receive your new card(s) in 7-10 normal mail
delivery days.

 

 

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)
1/15/14 TU 665 | EQ 648 | EX 655 ~Myfico scores
6/8/14 TU08 666 | EQ08 656 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1000~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 5K
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Forclosure (fall off 1/16)
Established Contributor
jordanmedical
Posts: 1,011
Registered: ‎04-08-2012
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Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

Congrats to him! NFCU is soooo good for rebuilding.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Regular Contributor
scarzy
Posts: 230
Registered: ‎04-08-2008
0

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


jordanmedical wrote:

Congrats to him! NFCU is soooo good for rebuilding.


I would have to agree 100%!! Ever since my DW and I joined NFCU, it has been nothing but a pleasure working with them!!  :smileyvery-happy:

starting EQ FICO : 526 current EQ FICO : 640 starting TU FICO: 538 current TU FICO : 656

My wallet: Capital One cash rewards $1,300- ~ NFCU signature cash rewards $5,000- ~ NFCU nRewards $5,000- ~ NFCU LOC $1,000- ~ Target $200- ~ Kohl's $300- ~ Walmart $800- ~ Amazon $900- ~ Updated 6/2013

Discharged Ch7 Nov.16, 2012

Frequent Contributor
blunderer
Posts: 368
Registered: ‎01-09-2013
0

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

Congratulations!  Glad it worked out!

Established Member
JoeRo
Posts: 60
Registered: ‎09-05-2012
0

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

So I joined today. I'm looking to get my first card with them as soon as they approve my membership. A couple notes and questions.

They just asked how I was eligible to be a member. They didn't ask for any proof. Will they request anything prior to approving me?

My credit history is just over a year old, but I have a rather thick file, and my ficos are hovering around 710. Will my income be a big factor? I make between 23,000 and 30,000 depending on them allowing me to claim income that doesn't show on taxes.

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