topic Re: nfcu cli in Credit Card Approvals

nfcu cli

Anonymous — Sun, 07 Apr 2013 22:45:26 GMT

Ive had my card for about 10months and im wanting to know from previous experience has there been suuccess with a soft pull if you have a fraud alert on your cbr? Also myfico says my score is 686 what are your thoughts on a cli amount from 5k ? Thanks well in advance!

Re: nfcu cli

madmann26 — Sun, 07 Apr 2013 23:36:11 GMT

YMMV with this.

Some say SP. Some say HP for the first one then SP after.

Re: nfcu cli

Rhaeny — Sun, 07 Apr 2013 23:40:50 GMT

Yea it is totally YMMV with them. I've read one guy getting like 5 CLI's in a row that were all sp's. And in a row I mean like within days. Me...it has always been an hp.

Re: nfcu cli

RyVision — Sun, 07 Apr 2013 23:42:24 GMT

Not sure if this info helps or not. They seem to do reviews and give auto CLIs after 12 months from what I've read and experienced. Got auto CLIs on both cards at 13 months of good history across the board.

Re: nfcu cli

Anonymous — Mon, 08 Apr 2013 00:29:26 GMT

Thanks for all the great info. I greatly appreciate you all

Re: nfcu cli

jdirilo — Mon, 08 Apr 2013 00:41:33 GMT

I and many others have gotten increases after only a few months. Also, there's no predicting a sp. If you do the cli request online and are instantly approved, its a sp. If you get any message that its pending or being reviewed, its a hp. I personally would say you have a good chance of getting what you request. Maybe $10k. But I'm not an expert

Re: nfcu cli

j_casteel — Mon, 08 Apr 2013 00:43:52 GMT

several of us have gotten CLI's lately from them some have been HP's but I think most have been SP's. It seems that if the decision is instant then it will be a SP, but if you get a 3-5 message it will be a HP.

I got my card in Dec. and requested a CLI last month and it was instant with no HP. Like mentioned YMMV.

Re: nfcu cli

Anonymous — Mon, 08 Apr 2013 01:20:38 GMT

Is it better to call ir go online ? If call should I wait till tomorrow, since I have a fraud alert on my cbr?

Re: nfcu cli

j_casteel — Mon, 08 Apr 2013 02:44:52 GMT

if you call your chances of getting a HP become higher b/c they may just run your credit....but if you do it online and its instant then it's only a SP.

Re: nfcu cli

Creditaddict — Mon, 08 Apr 2013 04:30:14 GMT

I would do it online... My partner and I recently (he) got CLI on his account (I'm AU)

Online it gave an error to call and I should have known.

Rep said NFCU NEVER SP CLI which we all know to be untrue if computer done, reps at least are consistentant for me that it's ALWAYS HP.

Anyway she said no error submitted... OOPS, that doesn't sound instant! lol

In the end it took 2 days and it was approved $25k to $35k. Have not seen a letter, but I would assume it was a HP! Also we have had no Auto increases.

But from what others have posted if you do it online, you should get an instant approval and that means you should have asked for more!

you get a counter, and that means you are at your new limit that they countered on a SP

you get a 7-10 day, you are getting HP and I don't believe that is based on you asking for to much....

Do it online and if you get the error I would say don't call and do it on phone like we did and I think you have a HIGH chance of a SP result.

I would also probably ask for $15-$20k personally if you have been using the $5 well and score up a lot.

Re: nfcu cli

Anonymous — Mon, 08 Apr 2013 12:30:04 GMT

@Rhaeny wrote:
Yea it is totally YMMV with them. I've read one guy getting like 5 CLI's in a row that were all sp's. And in a row I mean like within days. Me...it has always been an hp.

Are you talking about me? I keep checking, no HP's yet. I keep having nightmares that I will wake up to 79 Hp's.

Re: nfcu cli

Rhaeny — Mon, 08 Apr 2013 12:40:52 GMT

@Anonymous wrote:
@Rhaeny wrote:
Yea it is totally YMMV with them. I've read one guy getting like 5 CLI's in a row that were all sp's. And in a row I mean like within days. Me...it has always been an hp.
Are you talking about me? I keep checking, no HP's yet. I keep having nightmares that I will wake up to 79 Hp's.

Haha!!! You and Dodgeball....he did it like 100 times and got every one!

Re: nfcu cli

dodfire — Mon, 08 Apr 2013 12:42:38 GMT

And the one time I tried it......hit the button online for $5k ......got the message...result...well I got the CLI but it was a HP

Re: nfcu cli

Anonymous — Mon, 08 Apr 2013 13:06:14 GMT

I pulled the trigger and asked for 10k..got the message and immediately called to answer questions because I knew I would since I have fraud alert .. so far no hp this morning..I did get the increase!