topic Re: NFCU More Rewards CLI in Credit Card Approvals

NFCU More Rewards CLI

mchang124 — Tue, 18 Aug 2020 06:33:31 GMT

Wanted to share a CLI with you guys and add to the DP.

So over the weekend, i had requested CLI on all my NFCU cards: Cash Rewards, More Rewards and Flaghship.

My cash rewards get very light use and has as CL of $2500. My More Rewards gets some use right now (been using my discover card for the 5% on restaraunts atm and i've only spent maybe $1000 since my last CLI 6 months ago) which had a CL of $19k. And my Flagship has a CL of $23k and gets light use (been using my C1 Venture Card).

Went to check my accounts today and noticed that only my More Rewards card got a CLI from $19k to $23k. Quite happy with that increase but that also tells me i need to use my flagship a bit more to give that a better shot at receiving a CLI. CLI for the more rewards was still a SP. No HP or notifications of NFCU pulling my credit. so the SP train continues! this makes $48,500 total with NFCU.

Recently my FICO9 EX updated to 775 earlier this month. LOL inquiries. UTI .5%

IMG_4531.jpgIMG_4534.jpg

Re: NFCU More Rewards CLI

AllZero — Tue, 18 Aug 2020 06:41:29 GMT

Congratulations on your CLI!

Re: NFCU More Rewards CLI

mrcraft — Tue, 18 Aug 2020 06:43:45 GMT

Congratulations on your CLI!!

Re: NFCU More Rewards CLI

blindambition — Tue, 18 Aug 2020 15:39:07 GMT

Congrats on the CLI!! We all love when Navy gives More, More, More!!! 😂

Re: NFCU More Rewards CLI

Heatt99 — Tue, 18 Aug 2020 17:04:20 GMT

Congratulations. I guess small use with Navy can cause a nice CLI. Your relationship with Navy must be growing nicely.

Re: NFCU More Rewards CLI

MyFault — Tue, 18 Aug 2020 17:07:58 GMT

Congrats on your CLI!

Re: NFCU More Rewards CLI

cashorcharge — Tue, 18 Aug 2020 18:01:39 GMT

Congratulations on your CLI!

Re: NFCU More Rewards CLI

coreyb80 — Tue, 18 Aug 2020 18:32:55 GMT

Congrats on the CLI!

Re: NFCU More Rewards CLI

Anonymous — Tue, 18 Aug 2020 19:00:45 GMT

Re: NFCU More Rewards CLI

shane1978 — Wed, 19 Aug 2020 00:14:09 GMT

Does Navy give any notice if it will be a soft pull vs. hard pull? Or, is it a roll of the dice?

Re: NFCU More Rewards CLI

Credit4Growth — Wed, 19 Aug 2020 00:52:21 GMT

@shane1978

@shane1978 wrote:
Does Navy give any notice if it will be a soft pull vs. hard pull? Or, is it a roll of the dice?

I have only once heard of never read that Navy will give a heads up. I was given a heads up on the phone with a CSR that would let me know ifif a HP will be needed. That was on August 2nd. So I went ahead with the initial SP CLI attempt just because and would have declined authorizing a HP. I had requested only 3.1K because the max lately has been reported as 4K. I may be weird but having a card w@ 23.1K has more of an intrinsic value to me than having a CC at 24K - hence my request of only a 3.1K increase.

Having read through the Navy threads completely, i domt think anyone will say Navy gives a heads up.

Expect a hard pull for everything and be happy/surprised to get only a soft pull.

P.s. apply online for a CLI ... rather than call. My call to them initially was only to inform/preapprove them/their fraud department I would be making a 5 figure purchase, which would be way out of my normal spending. I did not want them to decline the transaction, not even once.

Re: NFCU More Rewards CLI

mchang124 — Wed, 19 Aug 2020 00:55:45 GMT

@shane1978 wrote:
Does Navy give any notice if it will be a soft pull vs. hard pull? Or, is it a roll of the dice?

from all the DP that are floating around right now, its all still SP by online request. If you call in, it MAY be a HP but you can ask your CSR if it will be a SP or a HP.

Re: NFCU More Rewards CLI

Anonymous — Wed, 19 Aug 2020 01:58:00 GMT

Congrats on the CLI! I’m just now trying on my cashRewards Card that’s been open since November. Didn’t want to chance a HP before closing on a house (which happened July 1)

Re: NFCU More Rewards CLI

CreditAggie — Wed, 19 Aug 2020 04:26:13 GMT

Congratulations on your NFCU More Rewards CLI!

Re: NFCU More Rewards CLI

OmarGB9 — Wed, 19 Aug 2020 07:45:51 GMT

Congrats!

Re: NFCU More Rewards CLI

gdale6 — Wed, 19 Aug 2020 13:00:59 GMT

Grats on your More CLI

Re: NFCU More Rewards CLI

M_Smart007 — Tue, 25 Aug 2020 06:39:40 GMT

Congrats! ..