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This happened to me a while ago as well. I called in to ask specifically why my request was declined and if I remember correctly NFCU has a cap for each individual and it's mostly based on income combined with credit score. It doesn't mean you won't qualify for other credit with them. More importantly just a few months after they declined my CLI request, I requested an even higher CLI and was approved. My income was the same but my credit score had increased about 30 points.
Stay encouraged.