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Senior Contributor
bichonmom
Posts: 3,318
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.

 

 

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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
bostonte
Posts: 262
Registered: ‎10-04-2009
0

Re: NFCU CLI 3 to 5 day message?

Any news?
Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Re: NFCU CLI 3 to 5 day message?

They didn't approve me. :smileymad:

 

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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
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: NFCU CLI 3 to 5 day message?


bichonmom wrote:

They didn't approve me. :smileymad:

 


Sorry to hear :smileysad:

 

To quote ole' Jack Nicholson off "the departed" - "Give em' a wiff" (of that stinky sock) :smileyvery-happy:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
bichonmom
Posts: 3,318
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.

 

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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
Datx
Posts: 1,051
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.

TU: 603 – EQ: 569 – EX: N/A – May 2010

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

Re: NFCU CLI 3 to 5 day message?


bichonmom wrote:

They didn't approve me. :smileymad:

 



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
LS2982
Posts: 15,434
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




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Smug
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
score_building
Posts: 3,554
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.

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)

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