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I have an NFCU Visa Signature Cash Rewards card with a CL of $5k. It was opened in Oct. I have been charging 2-3k on it for the last 3 months and paying off to $0 before it reports. It's my only CC. Can I ask for a CLI now? Will they HP? Should I just wait for 6 months and see if they auto CLI? My FICO on applying was 584 for both EQ and TU and is now 679 EQ and 641 TU.
This is interesting because they have always told me that a CLI request would be a HP. And the one time I did, it was a HP on EQ - And they also wanted proof of income.
I spoke to a rep last week, since I've had the card for just over a year and didn't get an auto CLI like I was hoping. She said I'd have to apply for a CLI and it would be a HP. Btw, I've always PIF with them.
Have others gotten CLIs with Navy with only a SP?
@bichonmom wrote:This is interesting because they have always told me that a CLI request would be a HP. And the one time I did, it was a HP on EQ - And they also wanted proof of income.
I spoke to a rep last week, since I've had the card for just over a year and didn't get an auto CLI like I was hoping. She said I'd have to apply for a CLI and it would be a HP. Btw, I've always PIF with them.
Have others gotten CLIs with Navy with only a SP?
Yes! Doing it online was a SP for my husband twice.
the three times I have requested a CLI (between my Cashrewards and Platinum).. only once have they done a hard pull and that was when I requested my first one. the 2 subsequent ones were soft pulls..done online
@webhopper wrote:
@bichonmom wrote:This is interesting because they have always told me that a CLI request would be a HP. And the one time I did, it was a HP on EQ - And they also wanted proof of income.
I spoke to a rep last week, since I've had the card for just over a year and didn't get an auto CLI like I was hoping. She said I'd have to apply for a CLI and it would be a HP. Btw, I've always PIF with them.
Have others gotten CLIs with Navy with only a SP?
Yes! Doing it online was a SP for my husband twice.
Well, now that I have frozen all 3 of CR, I decided to give it a shot -- and it worked! I got a $5k CLI w/o a HP. Yay!
@bichonmom wrote:
@webhopper wrote:
@bichonmom wrote:This is interesting because they have always told me that a CLI request would be a HP. And the one time I did, it was a HP on EQ - And they also wanted proof of income.
I spoke to a rep last week, since I've had the card for just over a year and didn't get an auto CLI like I was hoping. She said I'd have to apply for a CLI and it would be a HP. Btw, I've always PIF with them.
Have others gotten CLIs with Navy with only a SP?
Yes! Doing it online was a SP for my husband twice.
Well, now that I have frozen all 3 of CR, I decided to give it a shot -- and it worked! I got a $5k CLI w/o a HP. Yay!
Nice!!!
i want to but don't know if I can take the rejection.