Reply
New Contributor
Posts: 59
Registered: ‎08-30-2008
0

NFCU/ Overdraft protection/CLI

Hello, I was trying to find out what the requirements are for overdraft CLI? I presently have the NFCU overdraft and would like to ask for an increase.

 

 

Thanks,

 

2009

Valued Contributor
Posts: 1,424
Registered: ‎07-24-2007
0

Re: NFCU/ Overdraft protection/CLI

I called and received an increase in November '08 - having opened the NAVchek account in May'08. When I called I asked if I might be eligible for a line increase, and before I could utter another word, the csr informed me I am qualified for a 10k increase.

 

NFCU bases their cli increases on your history with that particular account. If your account has never gone over the limit, if you have always paid on time, then the chances are you're gonna be ok. It was a soft pull.

 

From what I can tell - and I may be wrong - but if they ask you to fill out an application, and ask for pay stubs, a utility bill, etc., then it will likely be a hard inquiry.

 

What is key, however, if your history with them.

 

 

 

New York Yankees - 2009 World Series Champions. 27... and counting.....
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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.