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Official NFCU CLI Guide

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Creditaddict
Legendary Contributor

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


@kauaiboy2k13 wrote:

@Creditaddict wrote:

@kauaiboy2k13 wrote:

@Chilli wrote:

UPDATE!!!!!!!

 

I changed browsers...cleared my history...and pulled the luv button again and this is what happened!

 

 I KNOW CREDIT ADDICT IS GOING TO CYBER PUNCH ME FOR THIS BECAUSE I SHOULD HAVE SAVED TIME AND ASKED FOR 25Smiley Tongue

 

Go Rewards

I asked for 13 approved

I went back and asked for 15 approved

I went back and asked for 20 and was countered for 17.5!

 

Cash Rewards

I pulled asked for some luv there too...

 

asked for 20 and was countered for 17.5!Smiley LOL

 

 

 

 


Did you apply for Go Rewards and Cash Rewards in the same day?  I just applied for Cash Rewards now and got a 3-5 day message.  I have a 750 EQ score, so I am hoping for $20K.  Should I apply for Go Rewards today also?

 

I have a CLI and an auto loan from NFCU from one inquiry on Aug 5th.  Just want to ask if it is too aggressive to apply for so many things in one month.

 

Any replies to this would be awesome!Smiley Happy


I would apply for the 1 credit card and the navcheck for the $15k then after those 2 are approved maybe go back for a 2nd credit card.


I tried Navchek earlier this month and got denied, as they pulled Transunion for that specific product.  How long should I wait until I apply for Go Rewards?


750 EQ and denied navcheck!? what's on your TU?

Message 2051 of 5,746
kauaiboy2k13
Established Member

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

630 TU.  Funny thing is they sent me a letter only showing that they pulled EQ, but I looked at creditchecktotal and it showed both bureaus being pulled.  The letter said not enough history with them or something like that.

Message 2052 of 5,746
OneDay_750
Frequent Contributor

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

NavCheck normally pulls EQ. My only TU pull was done when I opened my checking account.

CURRENT SCORES: EQ: 628 (12/14/14); TU: 628 (12/10/14); EX: 636 (12/13/14)--All myFICO
STARTING myFICO EQ SCORE:: 507 (11/2013); GOAL SCORE: 700--(All CRAs); GARDENING SINCE: 10/5/14
Message 2053 of 5,746
CreditHealthy
Established Contributor

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

Woke up to a message from NFCU! They approved me for their goRewards card for 1000. Not a lot but I'll take it because I was thinking they would turn me down considering they just upped my cash rewards to 15,000. Unless......my fellow most trusted forum geniuses think I should recon the amount? Smiley Wink

What's in my sock drawer? NFCU LOC 15,000] NFCU Cash Rewards 20,000][ Golden 1Platinum Rewards Card 6,600 Discover It 5,000,] {NFCU goRewards 17,500} Barclaycard 1250.00,]Cap one 750.00 ], Watering my garden for the next five years:-)
EQUIFAX 727 EXPERIAN 732 TRANSUNION 743 FICO} STARTING SCORE....554 July 2013
Message 2054 of 5,746
TheGardner
Valued Contributor

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

I would just wait 4 months or so and ask for a CLI. It is possible to recon but they will likely just tell you that is the max exposure for now (YMMV).

I have 3 cards with them, was approved for 1 at 25k and 2 for 1k each. Recently got a CLI on the last 2 to 18k each after about 8 months (my first request) . It's possible that I could have asked at 3-4 months but am happy I waited.
If anyone needs me I will be In The Garden. Goal Score: 760 for all in 2015.
Current FICO Scores EX: 715 EQ: 756 TU: 762
Last APP April 21, 2015.
Victim of The great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.
Message 2055 of 5,746
CreditHealthy
Established Contributor

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

OK thanks!

What's in my sock drawer? NFCU LOC 15,000] NFCU Cash Rewards 20,000][ Golden 1Platinum Rewards Card 6,600 Discover It 5,000,] {NFCU goRewards 17,500} Barclaycard 1250.00,]Cap one 750.00 ], Watering my garden for the next five years:-)
EQUIFAX 727 EXPERIAN 732 TRANSUNION 743 FICO} STARTING SCORE....554 July 2013
Message 2056 of 5,746
baller4life
Super Contributor

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

I absolutely love the fact that I can just transfer my cash rewards right into my share savings acct. Building up a nice lil savings just from rewards. Love my 1.5% Cash Rewards Visa!!
Message 2057 of 5,746
madmann26
Valued Contributor

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

Welp,

 

They SP me again on 7/1/2014. 

 

I'm considering trying for another SP cli. But since they've never approved me for one yet (been at 23k and 22k on 2 seperate cards for a while now), I don't think they'll approve me now.

Current FICO 9 Scores



Message 2058 of 5,746
kauaiboy2k13
Established Member

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

I got denied by NFCU for Cash Rewards card with a 750 EQ score!  I guess they must have pulled TU, then.  I hate it when they pull EQ for my other items and for most other customers, but pull TU on me.

Message 2059 of 5,746
baller4life
Super Contributor

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

What's your TU score?? Have you tried reconning? I certainly would.
Message 2060 of 5,746
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