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Posts: 122
Registered: ‎01-04-2017
0 Kudos


My 90 days will be on the 16th of this month. My 3rd statement will cut by the 19th.  I had read that your best chance of a soft CLI was right after the AR. Is this too much time in between the AR and after 90/3 statements for it to be soft? 

Valued Member
Posts: 28
Registered: ‎11-06-2015


Just made my 1st CLI request since opening in Sept. and went from 1,900 to 10,000! If you need me, I will be over here picking my jaw off the floor !! Thank you MyFICO Family !!

 BK7 Disc 9/15 10/15 Starting Scores EQ-571 | TU-528 | EX-572 ---> 8/17EQ-651 | TU-657 | EX-665

Amazon Store 1,500 * BarclayAppleRewards 5,200 * Cap1 4,300 * Discover 4,100 * Eddie Bauer 1,050 * HSN 1,650 * Kohls 1,500 * NFCU 10,000 * Walmart 2,500 * Wayfair 2,900 * Wells Fargo 2,100 Total CL 36,800 Util% 18.7%

Established Contributor
Posts: 1,033
Registered: ‎04-14-2016


$500 ----> $22,000


Hello new best friend  Smiley Happy

Established Contributor
Posts: 573
Registered: ‎04-03-2013


[ Edited ]

did my first cli on my cash rewards after 2 years .. 17k -----> 25k

CSR | Freedom Unlimited | Freedom | Ink Business Preffered | Amex Everyday | NFCU Cash Rewards
Super Contributor
Posts: 13,895
Registered: ‎01-04-2014


[ Edited ]

They sure are not shy if given a little time with them that's for sure.


When i was first approved my start limit was just $4K (my lowest card) and after the AR they blew the roof right off.


And with only a SP? YES! The SP was a pure bonus in my eyes since i fully expected just the opposite.


So yeah, you have to keep an eye out for those NFCU AR's because they can be very good for you.

Last App-Jan 26* It's All In The Magic Of Your Own Destiny * FICO TU 769 EQ 723 EX 777
Posts: 75
Registered: ‎08-12-2016
0 Kudos


I have had the CashRewards since Sept 2016, 3 statement cuts and had an AR on January 323rd this month. SL of 2,300.

Apped for a CLI yesterday, got the 24 hour review. Didn't call to stop it and received a HP on EQ.

Only a 2,700 increase. Scores have went up 40 points since getting the card. 10 baddies removed as well.

Disappointed in the pull with such a little increase.
Senior Contributor
Posts: 8,938
Registered: ‎04-23-2016


Im going to be asked to walk the plank after this but i wish Penfed did this and with sp Smiley Sad, ok im in the ocean back to your regularly scheduled Navy programming....Smiley Wink
New Visitor
Posts: 1
Registered: ‎09-30-2016
0 Kudos


I'm new to this.  How do you know if you had a AR?  I have had my card since August 2016.  I have not requestd a CLI or applied for another card.

Posts: 97
Registered: ‎05-22-2015
0 Kudos


This trick doesn't work for everyone.

I applied for a CLI seeking a SP increase. I received two hard pulls on my credit report (Transunion and Equifax) and a request for paystubs. When I submitted my paystubs, NFCU rejected them claiming they didn't show the appropriate medicare deductions and asked for tax returns. 

Will definitely think twice before poking the bear that is NFCU again.

New Contributor
Posts: 71
Registered: ‎03-02-2015
0 Kudos


Got a $12k cli on my cash rewards card. Starting limit was $4k. This was my 6th statement cut and requested an increase.

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