Credit Card Center Advertiser Disclosure†
01-08-2017 10:40 AM
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?
01-08-2017 10:57 AM
BK7 Disc 9/15 10/15 Starting Scores EQ-571| TU-528|EX-572 ---> 7/17- EQ-645| TU-657|EX-665
Amazon Store 1,500 * BarclayAppleRewards 5,200 * Cap1 4,300 * Discover 4,100 * Eddie Bauer 1050 * HSN 1,650 * Kohls 1,500 * NFCU 10,000 * Walmart 2,500 * Wayfair 2,900 * Wells Fargo 2,100 Total CL 38,800 Util% 12.7%
01-08-2017 11:57 AM - edited 01-08-2017 12:02 PM
did my first cli on my cash rewards after 2 years .. 17k -----> 25k
01-08-2017 06:04 PM - edited 01-08-2017 06:05 PM
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.
01-09-2017 09:44 AM
01-09-2017 01:43 PM
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.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† 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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.