Credit Cards Center Credit cards from our partners
Reply
Senior Contributor
Posts: 3,345
Registered: ‎05-05-2011
0

Re: NFCU CLI 3 to 5 day message?


HoldingOntoHope wrote:

Just hang in there Bichonmom. With NFCU the 3-5 day is not always a NO. It can take anywhere from a few hours to a couple days to get the response. I have seen the message and got what I wanted before. I did NAVCHEK last year from $5K to $15K and it took almost two days to happen.

 

BTW I don't remember what your situation is but I know other members experience seems to indicate that having Direct deposit of payroll seems to influence how high NFCU is willing to start your CL's. In any event they are well known for generous auto CLI's at 12 and 18 month account ages.


Thanks. This waiting is just too much for me. I seriously did not expect this. Whatever their answer is, I don't think I'm going to put myself through this again. The only reason I did it, is because when I called yesterday, I confirmed that they do NOT give auto-CLIs until at least 1 year, and I am tired of managing my $2k limit. But after this, it's only SP/auto CLIs for me.

 

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Frequent Contributor
Posts: 272
Registered: ‎10-04-2009
0

Re: NFCU CLI 3 to 5 day message?

Any news?
Senior Contributor
Posts: 3,345
Registered: ‎05-05-2011
0

Re: NFCU CLI 3 to 5 day message?

They didn't approve me. Smiley Mad

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Mega Contributor
Posts: 15,446
Registered: ‎04-09-2011
0

Re: NFCU CLI 3 to 5 day message?


bichonmom wrote:

They didn't approve me. Smiley Mad

 


Sorry to hear Smiley Sad

 

To quote ole' Jack Nicholson off "the departed" - "Give em' a wiff" (of that stinky sock) Smiley Very Happy




EQ FICO 548 3/3/16
Senior Contributor
Posts: 3,345
Registered: ‎05-05-2011
0

Re: NFCU CLI 3 to 5 day message?

I'm going to change my primary card usage to Chase once it arrives. I ended up w/a HP from both Chase and NFCU on my EQ, which has dropped my score. Whatever NFCU does for CLIs will be automatic from here on out. They won't be getting any luv from me.

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Valued Contributor
Posts: 1,083
Registered: ‎05-20-2010
0

Re: NFCU CLI 3 to 5 day message?

[ Edited ]

Sorry to hear they declined you. Have you gotten the reasons on why? I dont blame you for changing your primary usage to Chase. but I wouldnt take it personal. I was declined before in the past for a CLI and just worked on the stuff they listed for the denial. Then after a year, they showed plenty of love.

Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
0

Re: NFCU CLI 3 to 5 day message?


bichonmom wrote:

They didn't approve me. Smiley Mad

 



are you self employed? how much of a limit did you ask for? sorry to hear about your denial

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Mega Contributor
Posts: 15,446
Registered: ‎04-09-2011
0

Re: NFCU CLI 3 to 5 day message?


Datx wrote:

Sorry to hear they declined you. Have you gotten the reasons on why? I dont blame you for changing your primary usage to Chase. but I wouldnt take it personal. I was declined before in the past for a CLI and just worked on the stuff they listed for the denial. Then after a year, they showed plenty of love.


+1




EQ FICO 548 3/3/16
Established Contributor
Posts: 961
Registered: ‎12-21-2010
0

Re: NFCU CLI 3 to 5 day message?

Hang in there....
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Senior Contributor
Posts: 3,810
Registered: ‎01-10-2008
0

Re: NFCU CLI 3 to 5 day message?


Datx wrote:

Sorry to hear they declined you. Have you gotten the reasons on why? I dont blame you for changing your primary usage to Chase. but I wouldnt take it personal. I was declined before in the past for a CLI and just worked on the stuff they listed for the denial. Then after a year, they showed plenty of love.


+1 Chase has been good to me but don't feel confident endorsing them as primary, if they work for OP, that's great.

Hope OP can hang in there with NFCU, something will give eventually.

EQ (DCU, Citi, PenFed)
EX (Amex, Chase, PSECU)
TU (Barclays, Discover)

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.