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.