Reply
New Contributor
Posts: 74
Registered: ‎03-04-2010
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 did your util look like when you requested CLI?

Established Member
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
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
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
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
Posts: 2,682
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
Posts: 4,831
Registered: ‎04-20-2007
0

Re: Navy Federal CLI Timeline

I think he might be embellishing a wee bit. Smiley Very Happy 

Regular Contributor
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
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
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
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.