Reply
Regular Contributor
Rein
Posts: 122
Registered: ‎10-29-2012

NFCU cli?

when is a good time to ask for cli from nfcu visa? They do a HP on everything so I want to be sure I get the perfect time to do it. I have a cl of $6000 and carry a 5% ult for the last statement. Thank you!

Mega Contributor
Creditaddict
Posts: 18,984
Registered: ‎10-23-2007

Re: NFCU cli?


Rein wrote:

when is a good time to ask for cli from nfcu visa? They do a HP on everything so I want to be sure I get the perfect time to do it. I have a cl of $6000 and carry a 5% ult for the last statement. Thank you!


How long have you had the card?

Any other products with Navy?

 

Fico Scores: EQ 657 Cabelas, TU 653 Barclay, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Express $300
Over 30 Cards in between :smileytongue:
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: NFCU cli?

First time i asked for a cli on my cash rewards my account was 3 months old. I have asked for cli a couple times and they all have been SPs.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Regular Contributor
Rein
Posts: 122
Registered: ‎10-29-2012

Re: NFCU cli?

i only had the Visa card for a month. Jsickz32- did you had any luck with the cli request? Im not planning to ask until 6months. 

Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: NFCU cli?

Yes everytime ive asked for 1 i get it and with a SP.
First time i asked for 1 was at 3 months. Went from 7k to 12.5k, i called and asked to have it raised to 15k and used 5k to open flagship. I asked for a cli on my flagship at 2 months to 7.5k from 5k and instant with SP. Then at 3 months i got to 10k with SP.

And just this week i got both to 12k with a SP. I love NFCU!
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Mega Contributor
Creditaddict
Posts: 18,984
Registered: ‎10-23-2007

Re: NFCU cli?


jsickz32 wrote:
Yes everytime ive asked for 1 i get it and with a SP.
First time i asked for 1 was at 3 months. Went from 7k to 12.5k, i called and asked to have it raised to 15k and used 5k to open flagship. I asked for a cli on my flagship at 2 months to 7.5k from 5k and instant with SP. Then at 3 months i got to 10k with SP.

And just this week i got both to 12k with a SP. I love NFCU!

WAIT... SP??!!!!  We had a thread about 4-6 months ago I think about Navy CLI and SP vs. HP since they are known for HP and even all reps I spoke with at Navy said it can be SP if you don't ask for to much and the computer gives it to you but you probably can't cancel the request if computer sends it for review from getting a HP to make approval.... But as you state above you are doing a LOT more than just a simple CLI and you had all SP?! That is amazing.  You did these over the phone? and do they open up a 2nd card that easy with current credit line?

 

Has anyone used Personal Credit Card Line of Credit to open up a Business Credit Card (PARTIAL CL from personal card I mean)

Fico Scores: EQ 657 Cabelas, TU 653 Barclay, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Express $300
Over 30 Cards in between :smileytongue:
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: NFCU cli?

Yes SP my last HP from NFCU was back in august.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+