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New Contributor
FicoJimmy
Posts: 74
Registered: ‎03-04-2010
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Re: Navy Federal CLI Timeline


darkcamaro wrote:

I have a cashRewards Visa that I opened in May 2009. Asked for a 4000 cli in October 2009  via luv button. It took abot 3 days to be approved, but only recieved 3000. No hard pull. Then in March 2010 ask for another, approved for 2500. It took about another 3 days for it to post. No hard pull. Total cl of 13500. Been with NFCU for 8 years. YMMV.


What did your util look like when you requested CLI?

Established Member
darkcamaro
Posts: 14
Registered: ‎05-25-2007
0

Re: Navy Federal CLI Timeline

[ Edited ]

My overall util (5 cards total) was 4%. I rarely carry a balance with my navy card. I charge about $230 plus a month on that card.

 

'

8/1/2008 TransUnion 732 Equifax 685 Experian 712 1/19/2009 TransUnion 726 Equifax 706 Experian 722 7/8/2009 TransUnion 736 Equifax 726 Experian ??? 10/22/2009 TransUnion 745 Equifax 734 4/23/2010 Transunion 751 Equifax 727
Contributor
wajj
Posts: 79
Registered: ‎10-09-2008
0

Re: Navy Federal CLI Timeline

[ Edited ]

Just asked for and received a CL increase on my nRewards card from $17K to $22.5K via an offer on the offers page.  Was not instant (applied Wednesday night, increase showed up Thursday morning after receiving a 3-5 days notice online) and they did do a hard pull on EQ.  Also have 10K NavChek with them, low usage on the credit card (<$500 per month) but am currently taking advantage of their 12 months at 3.99% BT offer to the tune of $6k, have been member and had the card for 7 months.

Regular Contributor
ronq
Posts: 158
Registered: ‎07-16-2007
0

Re: Navy Federal CLI Timeline

I never had a hard pull from them for CLI on my nrewards until I went over 20k then they pulled EQ. I wonder if 20k is the magic threshold? I know the do soft pulls monthly for the most part.

EX. 780 TU 794.
Valued Member
AZravens
Posts: 48
Registered: ‎01-31-2009
0

Re: Navy Federal CLI Timeline

 

 

Hit the LUV button.  Asked for, and got the next day, 5000 from 2500 on this CLI.

 

Card is 4 months old, scores are 630's-ish, about 4,210 inquiries combined on all three reports.

 

Startin to feel good about retiring 4 years ago from the service if this is what I get from NFCU...  Now if they would repeal the disability tax....

 

Thanks for the help, yall.

Valued Contributor
Jazzzy
Posts: 2,679
Registered: ‎07-29-2009
0

Re: Navy Federal CLI Timeline


AZravens wrote:

 

 

Hit the LUV button.  Asked for, and got the next day, 5000 from 2500 on this CLI.

 

Card is 4 months old, scores are 630's-ish, about 4,210 inquiries combined on all three reports.

 

Startin to feel good about retiring 4 years ago from the service if this is what I get from NFCU...  Now if they would repeal the disability tax....

 

Thanks for the help, yall.


4,210 inquiries???

Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
0

Re: Navy Federal CLI Timeline

I think he might be embellishing a wee bit. :smileyvery-happy: 

Regular Contributor
Macroman
Posts: 129
Registered: ‎05-17-2008
0

Re: Navy Federal CLI Timeline

Here's my timeline:

 

March 1983-I opened a deposit account

1988- I closed it. I wish that I hadn't. NFCU is great.

New Member
8thstreet
Posts: 4
Registered: ‎05-21-2007
0

Re: Navy Federal CLI Timeline

 


darkcamaro wrote:

I have a cashRewards Visa that I opened in May 2009. Asked for a 4000 cli in October 2009  via luv button. It took abot 3 days to be approved, but only recieved 3000. No hard pull. Then in March 2010 ask for another, approved for 2500. It took about another 3 days for it to post. No hard pull. Total cl of 13500. Been with NFCU for 8 years. YMMV.


What exactly is the "luv" button?  I used the credit line increase section on my online account, but haven't heard anything back in over a week now.

 

Established Member
darkcamaro
Posts: 14
Registered: ‎05-25-2007
0

Re: Navy Federal CLI Timeline

I used the credit card limit increase link under Lending Services. You might want to call them.

8/1/2008 TransUnion 732 Equifax 685 Experian 712 1/19/2009 TransUnion 726 Equifax 706 Experian 722 7/8/2009 TransUnion 736 Equifax 726 Experian ??? 10/22/2009 TransUnion 745 Equifax 734 4/23/2010 Transunion 751 Equifax 727

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