Reply
Senior Contributor
FretlessMayhem
Posts: 3,279
Registered: ‎08-03-2007

NFCU CLI

Since I got denied for PenFed I've been thinking of shifting my balance over to my NFCU Mastercard. I called and asked if I was eligible for a CLI, and I got an instant approval. New CL is $20,000. Since it wasn't referred to the credit committee I'm reasonably sure it was an auto CLI based on my account history. However, I guess I'll find out tomorrow.
Here we go again...
Established Contributor
bamagirl1
Posts: 1,044
Registered: ‎12-30-2007

Re: NFCU CLI

fretless-

how long have u had ur nfcu card/cards? how often do u call for cli? that's an awesome cl..congrats!

~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Established Contributor
CanDoAttitude
Posts: 878
Registered: ‎04-08-2008

Re: NFCU CLI

Hey Fretless, :smileyhappy:

 

Congrats on the Navy Fed CLI!!!

 

When you call over the phone and get an automatic

increase, that's an auto-CLI. It's based on an EQ soft pull

and your payment history with Navy Fed. So always make

sure you pay your Navy Fed accounts on time.

 

Hope this helps.:smileyhappy:

 

 

CanDo

 

"The right atttitude is everything"

Established Contributor
bamagirl1
Posts: 1,044
Registered: ‎12-30-2007

Re: NFCU CLI

fretless-

what was the denial reason they gave you?

~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Senior Contributor
FretlessMayhem
Posts: 3,279
Registered: ‎08-03-2007

Re: NFCU CLI


bamagirl1 wrote:

fretless-

how long have u had ur nfcu card/cards? how often do u call for cli? that's an awesome cl..congrats!


I opened them all last April, so I'm approaching the 1 year mark. I got a CLI in October from $15,000 to $18,000 with a hard pull. And today they instantly approved me from $18,000 to $20,000. 

 

Here we go again...
Senior Contributor
FretlessMayhem
Posts: 3,279
Registered: ‎08-03-2007

Re: NFCU CLI


CanDoAttitude wrote:

When you call over the phone and get an automatic

increase, that's an auto-CLI. It's based on an EQ soft pull

and your payment history with Navy Fed. So always make

sure you pay your Navy Fed accounts on time.

 


Thanks a lot CanDo! Seeings how payment history goes so far with NFCU it makes the thought of BT'ing my BOA balance over to them more appealing since my payment history will continue to grow.

 

You catch more flies with honey...or something. 

Here we go again...
Senior Contributor
FretlessMayhem
Posts: 3,279
Registered: ‎08-03-2007

Re: NFCU CLI


bamagirl1 wrote:

fretless-

what was the denial reason they gave you?


Did you mean PenFed?

Here we go again...
Established Contributor
bamagirl1
Posts: 1,044
Registered: ‎12-30-2007

Re: NFCU CLI

fretless-

Yes I meant pen fed? I was just interested what they gave as a denial..

thanks

~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Senior Contributor
FretlessMayhem
Posts: 3,279
Registered: ‎08-03-2007

Re: NFCU CLI

Sorry, cross thread confusion and such. PenFed said it was because of DTI. They didn't like my defered student loans apparently.
Here we go again...
New Member
KJC2008
Posts: 4
Registered: ‎02-19-2009

Re: NFCU CLI

I applied for a NFCU card last week with a 740 Fico and was told I needed a to get a secured card. I guess they have started a new policy which forces new members to open up a secured card. Anyone else had this happen?

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+