09-21-2012 01:57 PM
Yesterday I was so inspired by CS800's post about asking Navy Fed for a CLI on her new cash rewards signature card with a SP that I sent them a message requesting an increase on mine as well with a SP. I've had the card since February 2012 and my limit was $5000. I requested an increase to $10,000 and as soon as I sent the request, I started regretting it. Scared that they would deny it and scared that they would do a HP.
Well, I hadn't heard anything so I decided to log into my account to see if I had any messages. None. But I clicked on my cash rewards account and my CL read $9,000. Woo Hoo!! Navy Federal ROCKS!!! No signs of a HP yet. I will let you know if I receive one though.
Thanks CS800 for encouraging and inspiring me to go for it!!
09-21-2012 02:50 PM
I am a new NFCU member and was approved for the nrewards card, $500 limit. After reading posts on here, I decided to just try and request a CLI within the first month, before it has even hit my CR, and they said no-go. They like to see 5-7 months of on time history first. They also did do a HP because it showed up on Credit Karma the same day I requested it.
09-21-2012 03:41 PM
09-21-2012 04:50 PM
09-21-2012 06:30 PM
Mine was upgraded to siggy today! I don't want increases though
I have not received an upgrade for the signature I have only had the card two months though so too soon to ask. I just want the B1G1 movie ticket offers..lol
09-21-2012 07:01 PM
Congrats on the CLI! I might do the same ... how did you word the fact you didn't want a HP?
I provided them all my information that they ask for on the CLI request form and said that I was sending them a secure message instead of going through the system because I didn't want a hard pull on my credit report. I said if the increase can be done via account review, I would like to have it considered.
09-21-2012 07:41 PM
Sometimes its good to just ask. Needless to say NFCU is an exception to many banks.
Yes they are. I am strongly considering making them my primary financial institution.
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.
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.