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Established Contributor
Posts: 1,011
Registered: ‎04-08-2012
0

NFCU temp CLI reported

There was a hold placed on a 450 payment I made to my secured card. To release the hold they gave me a temp CLI from 500 to 950 til the hold clears in a week. Odd thing is, the Temp CL of 950 was reported. Has this happened to anyone else?

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

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Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
0

Re: NFCU temp CLI reported

wow ive never heard of this. you might get lucky and that limit increase may stay!  how long has the hold been in play? how are you paying the card? when i pay i call them and have them initiate an ACH debit from my chase account and if i do it in the morning by the afternoon the payment is posted to my nfcu cc account.

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Established Contributor
Posts: 1,011
Registered: ‎04-08-2012
0

Re: NFCU temp CLI reported

[ Edited ]

I wish it stays but I doubt it considering it's a secured card. I was just suprised to see it listed as my CL on my EX CR. I pay by transfer, either by my NFCU checking, share or from Chase (have it listed as a transfer from other institution acct). Everything if done by 630 usually posts next day but this was my largest payment (450) as my statement was closing. The hold luckily didn't affect how it was reported but the temp CLI wasn't done until yesterday and my statement closed the day before so it shocked me when I saw the 950 CL reporting. They placed the hold on the 16th as soon as the payment posted.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

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