topic Re: NFCU CLI + Amazon Prime Approval (7/24) in Credit Card Approvals

NFCU CLI + Amazon Prime Approval (7/24)

ShreksBFF — Sat, 13 Apr 2024 16:46:16 GMT

Off to a good start of the year

today was 6 months since my last NFCU CLI so was able to 3x from 1500 to 4500, instant approval

My GoRewards is up for its first 8k increase next month at 91/3 so hoping for the same result there

More shockingly, I prequalified for the first time ever for Amazon Prime, normally it says it can't pull my reports.

Applied 2 days ago, late night, went into review -- I called, 2 week message which for chase is typically promising. Called next day and it said 7-10 day so figured I'd wait for denial letter and didn't think anything of it.

Chase closed all my personal, business, and my CSP accounts last year so I had low hopes of approval. I figured out reason, did something stupid with one of the business accounts to prevent an accidental ACH from processing, story for another day.

This morning I received a secure message asking to call to confirm I submitted application, was approved on the call for $8,000 SL

Looks like Chase is allowing me back with a decent SL at that, I'll make sure not to mess it up this time so I can get CSR when I'm below 5/24. Impressed that given history and being over 5/24 that it went through but I'm here for it.

Good April, looking forward to a good May with the next NFCU CLI

**edit**

Forgot to mention I also received my typical 3 statement period $250 CLI on my SavorOne bringing it to $2900 as well

Re: NFCU CLI + Amazon Prime Approval (7/24)

keekers — Sat, 13 Apr 2024 16:38:36 GMT

Congrats. Why did Chase close your accounts previously?

Re: NFCU CLI + Amazon Prime Approval (7/24)

Zoostation1 — Sat, 13 Apr 2024 16:38:39 GMT

Congrats on the approval!

Re: NFCU CLI + Amazon Prime Approval (7/24)

JoeRockhead — Sat, 13 Apr 2024 16:40:14 GMT

Their underwriting guidelines on the Prime are a bit more relaxed on the 5/24 thing. Very nice all around, congratulations on the Navy CLI and the Prime approval!

Re: NFCU CLI + Amazon Prime Approval (7/24)

ShreksBFF — Sat, 13 Apr 2024 16:40:27 GMT

@keekers wrote:
Congrats. Why did Chase close your accounts previously?

25k ACH initiated to wrong account, assume they thought I was trying to game them for the 25k since it "bounced"

Re: NFCU CLI + Amazon Prime Approval (7/24)

ShreksBFF — Sat, 13 Apr 2024 16:41:28 GMT

@JoeRockhead wrote:
Their underwriting guidelines on the Prime are a bit more relaxed on the 5/24 thing. Very nice all around, congratulations on the Navy CLI and the Prime approval!

Had seen so many above 5/24 approvals over the years figured it was worth the shot, already have LOL inquires so the extra HP wouldn't have impacted anything if denied

Re: NFCU CLI + Amazon Prime Approval (7/24)

NoMoreDebt — Sat, 13 Apr 2024 17:24:38 GMT

Congratulations on your approval

Re: NFCU CLI + Amazon Prime Approval (7/24)

Rdbeetle — Sat, 13 Apr 2024 18:10:51 GMT

Congrats on both your CLI and Prime approval!

Re: NFCU CLI + Amazon Prime Approval (7/24)

Linnaea — Sat, 13 Apr 2024 19:38:24 GMT

@ShreksBFF wrote:
Off to a good start of the year

today was 6 months since my last NFCU CLI so was able to 3x from 1500 to 4500, instant approval

My GoRewards is up for its first 8k increase next month at 91/3 so hoping for the same result there

More shockingly, I prequalified for the first time ever for Amazon Prime, normally it says it can't pull my reports.

Applied 2 days ago, late night, went into review -- I called, 2 week message which for chase is typically promising. Called next day and it said 7-10 day so figured I'd wait for denial letter and didn't think anything of it.

Chase closed all my personal, business, and my CSP accounts last year so I had low hopes of approval. I figured out reason, did something stupid with one of the business accounts to prevent an accidental ACH from processing, story for another day.

This morning I received a secure message asking to call to confirm I submitted application, was approved on the call for $8,000 SL

Looks like Chase is allowing me back with a decent SL at that, I'll make sure not to mess it up this time so I can get CSR when I'm below 5/24. Impressed that given history and being over 5/24 that it went through but I'm here for it.

Good April, looking forward to a good May with the next NFCU CLI

**edit**

Forgot to mention I also received my typical 3 statement period $250 CLI on my SavorOne bringing it to $2900 as well

Congratulations 🎊 👏.

Curious about your Savor One.

I recently was approved for the one with no annual fee good credit. Started with 500 just got a 100 cl. Happy I got... but why are your cli 250. What are the data points on that one.? 🤔

Re: NFCU CLI + Amazon Prime Approval (7/24)

ShreksBFF — Sat, 13 Apr 2024 19:42:27 GMT

@Linnaea wrote:
@ShreksBFF wrote:
Off to a good start of the year

today was 6 months since my last NFCU CLI so was able to 3x from 1500 to 4500, instant approval

My GoRewards is up for its first 8k increase next month at 91/3 so hoping for the same result there

More shockingly, I prequalified for the first time ever for Amazon Prime, normally it says it can't pull my reports.

Applied 2 days ago, late night, went into review -- I called, 2 week message which for chase is typically promising. Called next day and it said 7-10 day so figured I'd wait for denial letter and didn't think anything of it.

Chase closed all my personal, business, and my CSP accounts last year so I had low hopes of approval. I figured out reason, did something stupid with one of the business accounts to prevent an accidental ACH from processing, story for another day.

This morning I received a secure message asking to call to confirm I submitted application, was approved on the call for $8,000 SL

Looks like Chase is allowing me back with a decent SL at that, I'll make sure not to mess it up this time so I can get CSR when I'm below 5/24. Impressed that given history and being over 5/24 that it went through but I'm here for it.

Good April, looking forward to a good May with the next NFCU CLI

**edit**

Forgot to mention I also received my typical 3 statement period $250 CLI on my SavorOne bringing it to $2900 as well

Congratulations 🎊 👏.
Curious about your Savor One.
I recently was approved for the one with no annual fee good credit. Started with 500 just got a 100 cl. Happy I got... but why are your cli 250. What are the data points on that one.? 🤔

Opened April 23, good credit version, started at 2k – every 3mo I request CLI, always 150-250

I now have option to transfer credit from my venture to my S1 that didn't exist prior though so maybe next CLI will be more substantial

Re: NFCU CLI + Amazon Prime Approval (7/24)

mgood — Sat, 13 Apr 2024 20:40:41 GMT

@Linnaea wrote:
Curious about your Savor One.
I recently was approved for the one with no annual fee good credit. Started with 500 just got a 100 cl. Happy I got... but why are your cli 250. What are the data points on that one.? 🤔

This might help. It's a thread from several years ago, and was a lot of guessing even then, but I've found it to be fairly accurate most of the time.

https://ficoforums.myfico.com/t5/Credit-Card-Applications/How-to-get-a-CLI-from-Capital-One/td-p/6193124/page/2

From @Curious_George2 :

Regarding amounts, here is my best guess at their standard offers right now when they grant a cardholder's request for a CLI.

If your limit is this	Your likely CLI amount
$1600 or lower, not in Credit Steps	$100
$1601 to $2500	$200
$2501 to $3500	$300
$3501 to $4500	$400
$4501 to $7000?	$500
$7001? to $9000?	$750
$9001? to $12,000	$1000

Re: NFCU CLI + Amazon Prime Approval (7/24)

Legally_Speaking2512 — Sat, 13 Apr 2024 20:59:00 GMT

That is awesome to hear. Congrats on the CLI and Amazon prime approval!!

Re: NFCU CLI + Amazon Prime Approval (7/24)

ShreksBFF — Sat, 13 Apr 2024 23:08:51 GMT

@mgood wrote:
@Linnaea wrote:
Curious about your Savor One.
I recently was approved for the one with no annual fee good credit. Started with 500 just got a 100 cl. Happy I got... but why are your cli 250. What are the data points on that one.? 🤔
This might help. It's a thread from several years ago, and was a lot of guessing even then, but I've found it to be fairly accurate most of the time.

https://ficoforums.myfico.com/t5/Credit-Card-Applications/How-to-get-a-CLI-from-Capital-One/td-p/6193124/page/2
From @Curious_George2 :
Regarding amounts, here is my best guess at their standard offers right now when they grant a cardholder's request for a CLI.

If your limit is this Your likely CLI amount
$1600 or lower, not in Credit Steps $100
$1601 to $2500 $200
$2501 to $3500 $300
$3501 to $4500 $400
$4501 to $7000? $500
$7001? to $9000? $750
$9001? to $12,000 $1000

Seems very accurate with my experience on two different cards as well

Re: NFCU CLI + Amazon Prime Approval (7/24)

CorpCrMgr1 — Sun, 14 Apr 2024 00:59:43 GMT

Congratulations on your CLI and on your approval!!

Re: NFCU CLI + Amazon Prime Approval (7/24)

cashorcharge — Tue, 16 Apr 2024 00:34:30 GMT

That’s Terrific!! Congratulations on your Approval!!👏🏼🍾🥂

Re: NFCU CLI + Amazon Prime Approval (7/24)

Focus281 — Thu, 18 Apr 2024 06:49:02 GMT

Congrats , over 5/24 and an approval! It's a win for sure.

did they pull all 3 for the Amazon prime card?

Re: NFCU CLI + Amazon Prime Approval (7/24)

BigBS — Tue, 23 Apr 2024 01:55:49 GMT

Congrats on the approvals!

Re: NFCU CLI + Amazon Prime Approval (7/24)

CreditAggie — Sun, 28 Apr 2024 05:11:54 GMT

Congratulations on your approval and CLIs!