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Today I called nfcu to inquire about splitting the limit on my card. During the conversation I mentioned being declined for two CLI's on my account which costs me points because of the hardpull. I was told there is a box they can check on your account if requested where every month they will soft pull you and if you're eligible for an increase that amount will be automatically be added to your credit limit. Of course I immediately said yes please check the box haha. Has anyone else heard of this or tried it?
@Aallmo wrote:Today I called nfcu to inquire about splitting the limit on my card. During the conversation I mentioned being declined for two CLI's on my account which costs me points because of the hardpull. I was told there is a box they can check on your account if requested where every month they will soft pull you and if you're eligible for an increase that amount will be automatically be added to your credit limit. Of course I immediately said yes please check the box haha. Has anyone else heard of this or tried it?
Nope! First time learning that bit of good info.
Keep both your credit and your body in top shape!
I had that on my nrewards visa...i called in and the customer service rep mentioned the same thing about the account review every month
So after reading this thread I called NFCU and asked them to ensure my account was set for regular monthly soft pull/credit reviews for the purpose of credit limit increases.
The representative said that it was "blocked" and asked if I wanted to unblock it and I said yes.
This is odd because a few months back my CL went from 16,000 to 19,200 without me requesting it.
She said it normally is reviewed a few months into the year, or around the month the acconut was original opened. That makes it sound like an annual thing. Well I am glad february is only a few months away.
I just wish there was some way to get a soft pull CLI on barclay ring, NFCU, and USAA.
sigh
@Anonymous wrote:So after reading this thread I called NFCU and asked them to ensure my account was set for regular monthly soft pull/credit reviews for the purpose of credit limit increases.
The representative said that it was "blocked" and asked if I wanted to unblock it and I said yes.
This is odd because a few months back my CL went from 16,000 to 19,200 without me requesting it.
She said it normally is reviewed a few months into the year, or around the month the acconut was original opened. That makes it sound like an annual thing. Well I am glad february is only a few months away.
I just wish there was some way to get a soft pull CLI on barclay ring, NFCU, and USAA.
sigh
Thanks for providing updated information on this!
There's been several conversations lately regarding a 'box' that can be checked or unchecked on NFCU accounts (by the CSR, not the customer) with some folks having good luck and others being told it didn't exist.
It appears the 'box' is there after all!
(I agree that it's too bad USAA doesn't have something similar... but then again possibly it's by design. Only folks who really want a CLI - and will probably use it - are likely to take the HP for one...)
@Anonymous wrote:
i made a post about this recently. the box is real.
Never doubted you for a second, my friend... if anybody says a CSR tells them there's nothing to select/deselect on their side (like happened to one poster), there are multiple folks who will say otherwise!