topic Re: Confused about NFCU SP CLI timeline in Credit Card Applications

Confused about NFCU SP CLI timeline

Anonymous — Thu, 13 Apr 2017 17:42:36 GMT

Hey guys,

Today I hit 3 statements on my $3,700 GW card. I was hoping to hit the luv button and ask for the full 25k. My util went from 89% when approved to less than 30%, so I'm hoping to get approved without recon.

I noticed some users talk about getting CLIs with SP and some with HP. Is there a certain time I should be applying to avoid the HP? I really don't want another HP if I don't have too. However, since this is really the last "quality" card I want, I don't mind the HP as I'll be in the garden for a long time after approval.

I can check my Reports, when should I expect a SP from NFCU? Is it around the same time for all members, or is it related to the statement date?

Thanks

Re: Confused about NFCU SP CLI timeline

Aduke1122 — Thu, 13 Apr 2017 17:58:28 GMT

You have to have atleast 3 statements and over 90 days , it must be your first CLI request bc after you get the first you have to wait 6 mths between , and there needs to be a fresh AR , the next AR is May 1st so you would want to wait until after May 1st for SP CLI chance

Re: Confused about NFCU SP CLI timeline

Anonymous — Thu, 13 Apr 2017 18:11:09 GMT

Sounds good, I'll have more paid down by then anyways! Hopefully it's reported by then, if not I'll wait.

Re: Confused about NFCU SP CLI timeline

Aduke1122 — Thu, 13 Apr 2017 18:22:51 GMT

Good luck to you

Re: Confused about NFCU SP CLI timeline

Anonymous — Thu, 13 Apr 2017 19:45:09 GMT

Hi, I got a question for you too regarding the soft AR pulls. Do you ask for the CLI on CC first then once approved go back in and ask for the CLOC increase?

Re: Confused about NFCU SP CLI timeline

Anonymous — Thu, 13 Apr 2017 19:56:50 GMT

Does NFCU counter offer?

Re: Confused about NFCU SP CLI timeline

Aduke1122 — Thu, 13 Apr 2017 20:02:39 GMT

Yes they will if you don't get approved for the max limit they will counter

Re: Confused about NFCU SP CLI timeline

oldman425 — Fri, 14 Apr 2017 01:25:36 GMT

@Anonymous wrote:
Does NFCU counter offer?

Sure thing, I hit max and received $13K.

Re: Confused about NFCU SP CLI timeline

Anonymous — Sat, 15 Apr 2017 00:13:40 GMT

FYI poster today was my 91 day mark and I have 3 statements cut and hit the love button. Went from 2k to 15k instantly... if they are going to approve you they will I don't think you need to wait for a new ar.

Re: Confused about NFCU SP CLI timeline

Aduke1122 — Sat, 15 Apr 2017 04:39:54 GMT

Yes it's very YMMV

Re: Confused about NFCU SP CLI timeline

Aduke1122 — Sat, 15 Apr 2017 04:40:14 GMT

It's more of best chances not to get a HP