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Member
snpperhd
Posts: 7
Registered: ‎01-19-2010
0

NFCU CLI

I've had the Navy Federal Credit Union Flagship CC since July 2009 and was initially given a $7,500 CL, but today decided to test the waters and apply for an online increase.  Completed the online questionnaire and asked for an increase to $75,000.  Upon submission, I was immediately taken to a page where I was offered an instant $20,000 CL...it stated I could accept this new CL or request further review for my original CLI amount...of course I took the $20,000.  Maybe I was lucky, but I was very impressed with the NFCU process.

 

snpperhd

 

TU:700 ~ EQ:695 ~ EX:703 as of 01/19/2010 (Nasty PR-Tax Lien Released 04-2002)

Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008
0

Re: NFCU CLI

Max CL with NFCU CC is $50,000.

 

I'm not sure if that is per card, or per member.  With PSECU they have a $20,000 total revolving CL max.  It may be the same with NCFU.

 

Congrats on the CLI!

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Established Member
FrugalTee
Posts: 17
Registered: ‎11-17-2009
0

Re: NFCU CLI

Congrats! Wow, that's good to know because I also have a new NFCU CC (actually 2 cc) issued in 10/09 and I will be requesting a CLI after 6 months!  Hope I can increase my 10k to 20k............
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008
0

Re: NFCU CLI


txjohn wrote:

Max CL with NFCU CC is $50,000.

 

I'm not sure if that is per card, or per member.  With PSECU they have a $20,000 total revolving CL max.  It may be the same with NCFU.

 

Congrats on the CLI!

 

 


 

Does anyone know if NFCU allows more than $50,000 in total CL's on credit cards?  Can I have 2 cards $50,000 each? 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
New Contributor
swanky
Posts: 62
Registered: ‎12-25-2009
0

Re: NFCU CLI

Congrats! 
Established Member
pmany0324
Posts: 13
Registered: ‎08-24-2008
0

Re: NFCU CLI

Congratulations on your CLI! That is an awesome number.  I also opened up a Nrewards card and NavCheck with NFCU in July 09.  Got denied for my credit limit increase request.  Reasons were a little odd to me.  BK (was discharged 8/08 clearly stated on my credit report that I had filed BK when I originally applied for the card and got approved), unsatisfactory accounts with other lenders (must be talking about before BK, after BK my report has been great, no lates, no over limit, paid over minimum balance) and exisiting limit with current account (not sure either what that means).  I was scared to call to do a reconsideration, so I wrote them a letter.  I'm hoping to hear something back this week, if not i'll call and check on it.  But i was just curious, to get approved for that amount does your income have to be over a certain amount? I don't want any new credit, I just want to see if I can get CLI on all my exisiting lines.  I know my inquries and utilization is what's killing my score.  Sorry OP didn't mean to highjack your thread, I really just meant to ask about income requirements with NFCU and to say Congrats!  My income is between 45-50k a year and I dream of the day I can hit the button and get approved for a 20k increase!  :smileywink:

Senior Contributor
BungalowMo
Posts: 4,237
Registered: ‎05-01-2008
0

Re: NFCU CLI

I have a ?? for all you NFCU cc holders....

 

How long after you opened your checking & savings did you app for a card?



Starting Score: 07/2011 TU 732 - EQ 717 - EX 702
Current Score: 06/2014 TU 739 - EQ '08 709 - EX 721
Goal Score: 850

Bury me in the garden...last app 06.18.14

New Contributor
swanky
Posts: 62
Registered: ‎12-25-2009
0

Re: NFCU CLI

I app'd 1 week after but I do not think it makes a difference. 
Senior Contributor
BungalowMo
Posts: 4,237
Registered: ‎05-01-2008
0

Re: NFCU CLI

Who did they pull??


Starting Score: 07/2011 TU 732 - EQ 717 - EX 702
Current Score: 06/2014 TU 739 - EQ '08 709 - EX 721
Goal Score: 850

Bury me in the garden...last app 06.18.14

New Contributor
swanky
Posts: 62
Registered: ‎12-25-2009
0

Re: NFCU CLI

They pulled EQ yesterday for me.


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