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Mega Contributor
Creditaddict
Posts: 18,530
Registered: ‎10-23-2007

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


rootpooty wrote:

You know its true out of all the happy NFCU members there is always that 1% croud that they dont like and I must be one of them.

 

So I requested my 3K cash rewards card go to 10K and requested a 5K navcheck.  Navcheck was instant and cash rewards CLI was 3-5 day message which was denied the next day.

 

A little backround in case you dont feel like scolling through the pages of previous posts,  been a member for 3 years, had secured nrewards for one year, then closed it and opened plat visa.  Have had plat visa open for 18 mos and cash rewards for one year now.  Denial @ 6 mos on cli for cash rewards and again now.

 

No baddies NONE.  Have roughly 1800 balance on plat visa and all other accounts in my sig were at zero balance.  This was the 3rd time this year I maxed the card out and PIF.  Income 56K


Did you just apply for NavCheck? I would send secure message asking them to increase that to $15k.

but $3k and $5k on credit card and they won't give you more? What's your score? how old are you (If you don't mind me asking)

Fico Scores: EQ 639 Navy, TU 667 GE, EX 677 Prosper (06-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Valued Contributor
rootpooty
Posts: 1,690
Registered: ‎10-28-2011

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


Creditaddict wrote:

rootpooty wrote:

You know its true out of all the happy NFCU members there is always that 1% croud that they dont like and I must be one of them.

 

So I requested my 3K cash rewards card go to 10K and requested a 5K navcheck.  Navcheck was instant and cash rewards CLI was 3-5 day message which was denied the next day.

 

A little backround in case you dont feel like scolling through the pages of previous posts,  been a member for 3 years, had secured nrewards for one year, then closed it and opened plat visa.  Have had plat visa open for 18 mos and cash rewards for one year now.  Denial @ 6 mos on cli for cash rewards and again now.

 

No baddies NONE.  Have roughly 1800 balance on plat visa and all other accounts in my sig were at zero balance.  This was the 3rd time this year I maxed the card out and PIF.  Income 56K


Did you just apply for NavCheck? I would send secure message asking them to increase that to $15k.

but $3k and $5k on credit card and they won't give you more? What's your score? how old are you (If you don't mind me asking)


Oh no I am done asking NFCU for anything for about a year.  With me applying for navcheck, requesting a cli, then asking for a recon the next day cost 3hps and I dont need any more on equifax.  I dont know my current EQ score it was 705 back in June when I got approved for my auto loan with them.  So with the inquiry from that and the new tradeline I would expect 680.  I'm 30 years old and have been at place of employment for 4 years

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 3k | BOFA 123 3k |
Chase Freedom 1.5k | Amazon 1800 | Walmart 1450 | Buckle 300

On the prowl for Chase Sapphire Preferred!
Established Contributor
swpopham
Posts: 539
Registered: ‎06-02-2012

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

It tried going from 22k to 25k and it said 3-5 damn! So much for automatic it's been like 9 months since last time
"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Established Contributor
pizza1
Posts: 832
Registered: ‎07-17-2013

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

Mmmm, what other variables are in place... Like current balance, etc... You might be at their internal limit now, and the request automatically sent it for review. Keep us posted !
BK 7 D/C: 08/19/13~FICO-400's---> 06/2014-EQ 659,EX 630,TU 640
NFCU loc-$15k|NFCU visa-$10k|Barclays-$1.5k|Cap one $2k|w-mart-$750|JCP-$500|Jcrew-$450|Loft-$250|Gap-$200|76 gas-$300|Amazon store-$700
Established Contributor
pizza1
Posts: 832
Registered: ‎07-17-2013

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

Any new CLI??? I'm anxious to hear more stories! I need entertained while gardening till April!! I think navy last softed a bunch of people end of October, so I'm thinking next round is probably around February sometime??? Everyone keep posting!:smileyhappy:
BK 7 D/C: 08/19/13~FICO-400's---> 06/2014-EQ 659,EX 630,TU 640
NFCU loc-$15k|NFCU visa-$10k|Barclays-$1.5k|Cap one $2k|w-mart-$750|JCP-$500|Jcrew-$450|Loft-$250|Gap-$200|76 gas-$300|Amazon store-$700
Valued Contributor
madmann26
Posts: 1,401
Registered: ‎08-30-2012

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

Lol pizza.

Go find out and let us know.

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 $1.5k; NFCU Cash Rewards $22K; AMEX BCE $6k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Established Contributor
pizza1
Posts: 832
Registered: ‎07-17-2013

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

Madmann.... I can't!! I just got my card October 12th, and lucky for me I didn't have to do the secured route! They already denied me end if October for a car refi, navcheck, and a Cli on my nrewards to $1k. I think that told me something .... Need to be patient and garden! My bl was final August 19th... So, I'm waiting till my 6th statements cuts (April 10th) before I ask for a cli.

I sure hope I get it! I've put at least $1k thru it now! Whatever I buy, I pif next morning! :smileyhappy: I don't care about navcheck right now, but I do want my card to $5k, and a car refi in april or may. Patience is not my strong point , but the bk is forcing me lol:smileyhappy:

Madman... When are you up for or due for a cli on your card?
BK 7 D/C: 08/19/13~FICO-400's---> 06/2014-EQ 659,EX 630,TU 640
NFCU loc-$15k|NFCU visa-$10k|Barclays-$1.5k|Cap one $2k|w-mart-$750|JCP-$500|Jcrew-$450|Loft-$250|Gap-$200|76 gas-$300|Amazon store-$700
Valued Contributor
madmann26
Posts: 1,401
Registered: ‎08-30-2012

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

Pizza,

I'll try for my max of 25k at the end of Dec.

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 $1.5k; NFCU Cash Rewards $22K; AMEX BCE $6k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Established Contributor
swpopham
Posts: 539
Registered: ‎06-02-2012

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

They approved after a hard pI'll on experian.....damn should have locked it down

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Established Contributor
fixmycred14
Posts: 514
Registered: ‎08-04-2013

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

I tried for a CLI 2 days ago and got the 3-5 message. Definite, HP. I sent a secure message and was told my request was denied. I should receive a letter in 7-9 days. I have no idea why my request was denied. However, after following CreditAddicts advice, I app'd for the LOC. Approved for 15K!!!!!!!! I'll try for a CLI at a later date. I'm just waiting for the loan doc/promissory note to sign anyday now.


Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555
Current Score: FICO TU 662 FICO EX 652 FICO EQ 643
Goal Score: 700 CLUB


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