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Regular Contributor
Chaos122
Posts: 204
Registered: ‎12-20-2010
0

Re: NFCU - When to ask for CLI?

Youll be "softed" first and will  either be instantly approved, counter offered, or get the 5-7 day message..  If you get the 5-7 day message it means it has to be manually reviewed by underwriting and it will be a hard pull. 


Both CLi's ive requested have resulted in the 5-7 day message, I got  a hard pull and had to send in pay stubs, I was then approved for both increases by underwriting.  Im gonna wait till my credit is perfect before i app for another increase that way i can get one with just a soft pull and not have to waste a hard.


Starting Score: TU 608, Eq 618
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Goal Score: 780 across the board


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Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012
0

Re: NFCU - When to ask for CLI?


electra wrote:

You're welcome Les!  :smileyhappy:  

 

So, did they do a HP or SP?

 

I'm scared to request it.  I still can't believe they gave me an unsecured card and even though my score is up 100-ish points since then (in only 2-ish months), I worry they will turn me down AND HP.   Working SO hard to try to get score up...don't want a ding for nothing.


Electra,

 

it was a SP with the online system.


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Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012
0

Re: NFCU - When to ask for CLI?


bichonmom wrote:

electra wrote:

You're welcome Les!  :smileyhappy:  

 

So, did they do a HP or SP?

 

I'm scared to request it.  I still can't believe they gave me an unsecured card and even though my score is up 100-ish points since then (in only 2-ish months), I worry they will turn me down AND HP.   Working SO hard to try to get score up...don't want a ding for nothing.


I think the only way to ensure that it's only a SP is to have your CRs frozen. When you app for a CLI online, the line above the submit button authorizes them to check your credit and doesn't distinguish between hard or soft. IMO, if it's only been 2 months, the likelihood is they're going to do a HP.

 


I've only had my Cash rewards Visa for 2 months and it was a SP.  Of course everyone's mileage may vary, but it was definitely a SP for me.


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

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Regular Contributor
konabill
Posts: 118
Registered: ‎12-09-2009
0

Re: NFCU - When to ask for CLI?

After reading this thread I requested an increase and received this:

                          A condition exists which prevents the processing of your request. For
assistance, contact Navy Federal toll free 1-888-842-6328, or when overseas use
1-703-255-8837 for collect international calls.                                                   What the $#^@ does "a condition exists" mean ?  Time to call .




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*USAA*PENFED*NFCU*AMEX*DISCOVER*CiTi*WALMART*BESTBUY*
Established Contributor
electra
Posts: 573
Registered: ‎10-21-2012
0

Re: NFCU - When to ask for CLI?

Konabill,

I don't know but please let us know what they say!  Do you have a freeze on your credit files maybe?



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Established Contributor
adavis425
Posts: 513
Registered: ‎02-14-2012
0

Re: NFCU - When to ask for CLI?


konabill wrote:

After reading this thread I requested an increase and received this:

                          A condition exists which prevents the processing of your request. For
assistance, contact Navy Federal toll free 1-888-842-6328, or when overseas use
1-703-255-8837 for collect international calls.                                                   What the $#^@ does "a condition exists" mean ?  Time to call .


Not to worry. That just means there's some internal something going on (maybe system maintenance) which prevents the system from even considering your request. I got the same message when I attempted a cli. I went back about an hour later and tried again with success. I wouldn't worry.

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Valued Contributor
kevinjjc
Posts: 1,315
Registered: ‎01-14-2009
0

Re: NFCU - When to ask for CLI?


adavis425 wrote:

konabill wrote:

After reading this thread I requested an increase and received this:

                          A condition exists which prevents the processing of your request. For
assistance, contact Navy Federal toll free 1-888-842-6328, or when overseas use
1-703-255-8837 for collect international calls.                                                   What the $#^@ does "a condition exists" mean ?  Time to call .


Not to worry. That just means there's some internal something going on (maybe system maintenance) which prevents the system from even considering your request. I got the same message when I attempted a cli. I went back about an hour later and tried again with success. I wouldn't worry.


+1  Also, sometimes when you click on "My Offers", it says "Your information is temporarily unavailable, please try again later."

New Visitor
toptanti
Posts: 1
Registered: ‎05-23-2014
0

Re: NFCU - When to ask for CLI?

So I just got off the phone from NFCU because I also receoved the "A condition exists..." 

 

They confirmed it was just an error with the system.. HOWEVER, they said all credit limit creases performed will be a hard pull. I had the rep check with a product manager and he confirmed that regardless of the instant approval or "3-5 day" message, every request results in a hard pull.

 

Maybe they are misinformed but it seems like if it's instant approval then it wouldn't be a HP. Thoughts?

Established Member
AkashV
Posts: 28
Registered: ‎05-22-2014
0

Re: NFCU - When to ask for CLI?

I got the same message that prevents you from being considered for an increase. I am sure it was a system error. I was approved for 4000 and 1000 for 2 of their cards and i wanted to see if they will increase the 1000 to match the 4000 but i got the error. Not sure if i will request it again now but i will wait in 6 months. just saying



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