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NFCU AR

Regular Contributor

Re: NFCU AR

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

Re: NFCU AR

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 ---> 11/17EQ-668 | TU-665 | EX-668


Amazon Store 5,000 * BarclayAppleRewards 5,200 * CapOne 4,300 * Discover 5,300 * Eddie Bauer 1,250 * HSN 2,450 * Kohls 2,500 * NFCU 15,000 * Walmart 5,000 * Wayfair 3,700 * Wells Fargo 2,100 Total CL 51,800 Util% 3%

Established Contributor

Re: NFCU AR

$500 ----> $22,000

 

Hello new best friend  Smiley Happy

Established Contributor

Re: NFCU AR

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

CSR | Ink Business Preferred | Amex Platinum | NFCU Cash Rewards
Super Contributor

Re: NFCU AR

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.

Contributor

Re: NFCU AR

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.
Super Contributor

Re: NFCU AR

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

Re: NFCU AR

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.

Contributor

Re: NFCU AR

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

Re: NFCU AR

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