NFCU November AR

[Anonymous]

I paid in full each month after the statement cut, didn't make any multiple payments or anything like that.  The first 3 months statement balances were $50, $830, and $80.  I currently have around $350 on the card.

[Anonymous]

@bourgogne:   Thank you! I definitely had three statements when I applied, I believe it was either the same day or the next day of the 3rd statement posting.  The rejection letter is dated 4 days after the 3rd statement.  The letter shows they pulled equifax again 4 days after the 3rd statement, and the only reason for denial listed is "credit card account is too new".  The only thing I can think that would have changed over the last few weeks is the soft pull, so maybe there is something to it.

[Anonymous]

Thanks for the data points jw2016 and congrats again on the nice CLI!!

[Anonymous]

The last time I asked for an increase was June of last year. So I thought I would go for the max (currently at $10k). My AR was 11/6 and I pulled the trigger today. It said  something along the line of decisions take 24 hours. Is that because it was done after hours? Also, since the AR was 11/6. Will a hard pull be necessary? Trying to determine if I should call and say nevermind.

[Aduke1122]

Hey FYB , unfortunately if you didn't get an instant approval or counter offer then it's definitely going to be a HP , those who have tried to call to cancel lately have not been too lucky . You would literally need to call as soon as you got the 24 hr message. Just let it play out and I'm sure you will do well !

[Anonymous]

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@Aduke1122 wrote:
Hey FYB , unfortunately if you didn't get an instant approval or counter offer then it's definitely going to be a HP , those who have tried to call to cancel lately have not been too lucky . You would literally need to call as soon as you got the 24 hr message. Just let it play out and I'm sure you will do well !

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That is what I thought. Thank you for responding!

[Anonymous]

They didn't like me this time.

[Aduke1122]

They don't like me neither 😕 no worries FYB

[Anonymous]

Even if you call immediately it's still a HP. I think it's done by the system automatically now.

[bourgogne]

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@Anonymous wrote:
Even if you call immediately it's still a HP. I think it's done by the system automatically now.

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not true, I did a cancel the other day - no hp.  it says manual review for a reason, its not going to a bigger computer lol