topic Re: NFCU cli in Credit Card Approvals

NFCU cli

MidnightOwl — Tue, 10 Jan 2012 01:49:42 GMT

I had asked for a cli about 2 months ago of only $1000.00 and got it so, I was feeling kinda lucky tonight & decided to pull the trigger and ask for another $7000.00 since I only have 1 inq. on EQ and low & behold, I was approved instantly for another $7000.00 I love Navy

Re: NFCU cli

CS800 — Tue, 10 Jan 2012 02:08:10 GMT

@MidnightOwl wrote:
I had asked for a cli about 2 months ago of only $1000.00 and got it so, I was feeling kinda lucky tonight & decided to pull the trigger and ask for another $7000.00 since I only have 1 inq. on EQ and low & behold, I was approved instantly for another $7000.00 I love Navy

Nice CLI !! enjoy

Re: NFCU cli

MidnightOwl — Tue, 10 Jan 2012 02:27:35 GMT

TYVM... People weren't kidding when they said if your good to Navy they'll take care of you !

Re: NFCU cli

eparker — Tue, 10 Jan 2012 02:32:46 GMT

I am looking for my long lost relative so I can join NFCU....

Congrats....

Re: NFCU cli

jason86423 — Tue, 10 Jan 2012 02:34:51 GMT

Navy is awesome.. asked for an increase from 1000 to 10,000, approved instantly today.

Re: NFCU cli

eparker — Tue, 10 Jan 2012 02:36:48 GMT

thats a big jump....

Re: NFCU cli

jason86423 — Tue, 10 Jan 2012 02:45:30 GMT

I was surprised also. I have 2 cards with Navy. Cash rewards visa @ $24,000 and now the Plat. MC @ $10,000

Absolutely love NFCU!

Re: NFCU cli

Anonymous — Tue, 10 Jan 2012 03:13:48 GMT

Are they asking for employment documentation or any other things like that? Or just approving it? Instantly or the next day or a few days later?

Also, how long have you had the cards you asked for a CLI on? Any balances owed to those cards?

I have two cards and they're pretty much maxed out because I took advantage of balance transfer offers. I'd do a little bit more if they gave me a little bit more room, though.

I re-read and I see that you said "instant." So, does this mean there is no hard credit pull?

Re: NFCU cli

jason86423 — Tue, 10 Jan 2012 03:32:54 GMT

My CLI in November on my Cash Rewards Visa went to review. Went from 17,500 to $24,000 - asked for $30,000 - this was a hard pull on EQ. Had the account for just under 6 months.

My CLI today on my Plat MC was instant. No hard pull, soft pull only on EQ. No manual review. Had the account for just under 7 months.

When I joined NFCU last May I app'd for the CR visa and the NavCheck and they required pay stubs and 2 bank statements at the time. Have not requested docs since. I do direct deposit a consistent $600 / month into my checking and pay bills with it but I do not think that really influences the decision.

Re: NFCU cli

MidnightOwl — Tue, 10 Jan 2012 03:49:01 GMT

Mine was approved instantly online

Re: NFCU cli

Anonymous — Tue, 10 Jan 2012 10:33:10 GMT

It stories like these that gives me high hopes that my little secured card will boom with big cli's!

Re: NFCU cli

rbizzle — Tue, 10 Jan 2012 14:19:38 GMT

I wanna ask for a small increase but don't want to risk the hard pull =/

Re: NFCU cli

Anonymous — Tue, 10 Jan 2012 14:25:30 GMT

Do they ever give out increases if you don't ask for them? I don't want to ask. I'd like to get a CLI at some point, but I hope they will just give it to me automatically. Do they do that?

Re: NFCU cli

Smug — Tue, 10 Jan 2012 14:29:26 GMT

Yes close to your ann. Date

Re: NFCU cli

Anonymous — Tue, 10 Jan 2012 14:32:45 GMT

Thanks, Smug. That's good to know.

Re: NFCU cli

rbizzle — Tue, 10 Jan 2012 15:13:40 GMT

Ok, soooo i did it, requested a small $500 increase. It was instant! So i guess i feel better now lol I LOVE NFCU!

Re: NFCU cli

Anonymous — Tue, 10 Jan 2012 17:02:45 GMT

@Anonymous wrote:
Do they ever give out increases if you don't ask for them? I don't want to ask. I'd like to get a CLI at some point, but I hope they will just give it to me automatically. Do they do that?

I got an auto CLI at both 12 months and 18 months. Started at 14K. 1st CLI went to 16.5, second was to 19.8. I've seen these numbers on others posts about NFCU so I am assuming that they are their own internal CL points that they give without a phone in or on-line request.

I was carrying a balance greater than 25% of CL at the time of both CLI's. I do have direct deposit with them and NAVCHECK overdraft. Never got an auto CLI on NAVCHECK just the CC.

Re: NFCU cli

Anonymous — Tue, 10 Jan 2012 18:31:12 GMT

That. Exactly that. Same limits and timeframe. Was hoping for another at 24 months but no luv. Not going to request it though, they have been beyond generous with the autos and I'm not going to make any waves.

Re: NFCU cli

zhenxinqian — Sun, 05 Feb 2012 07:54:32 GMT

I've never got an auto CLI. I've had my Rewards card since Oct 2005. =/

I got a CLI from 1k to 2k because I requested it online a few weeks ago (was afraid to ask for anymore then that at the time).

It's got a high balance at the moment, but I plan on paying off before my statement date 2/10.

Would it be too soon to ask for a CLI again right after my statement updates with a $0 balance?

My credit score has approved from 600 to 660ish EQ since my last request. And my DTI has gone from 80% down to about 40% give or take a few points. But significant to say the least.

Re: NFCU cli

Anonymous — Wed, 07 Nov 2012 12:40:07 GMT

This forum helps me understand and feel pretty good about my credit. I am a NFCU member and have had a platinum VISA with them about 5 months. After reading your replys regarding easy cli's I pulled the trigger yesterday afternoon. Looked this morning and cli was showing on my account details. Started out with 7000 and requested 1500 cli. Now at 8500 with about 5k balance due to some recent bt's and car repair. Thanks guys!

BTW this is my first post on myfico.

TU score was about 680. Hard pull showing on TU from NFCU/VISA.