topic Re: Interesting NFCU CLI experience in Credit Card Applications

Interesting NFCU CLI experience

jc2 — Wed, 07 Jun 2017 14:45:33 GMT

I have a few NFCU products (love them) and my most recent, the CashRewards card, was around the 90ish daymark since originally applied so I decided to hit the CLI button. Recieved the 24 hour review msg, Immidiatly called in and asked to withdraw the request since I dont want a HP. Rep said, it was "auto declined" for "account too new" and there was no HP and will not be any HP. I said this doesnt sound right as this has not been my experience in the recent past. She put me on hold and checked with the loan dept, they confirmed. This didnt sound right from everything I've learned on this forum and from my own previous experience on other NFCU products and cli's etc. So....I called back to speak to a different rep, she revied the notes and came back and said the exact same thing. "Auto declined for account too new" no HP. She said you can try again in a few days...if its still too new, it will continue to auto decline with no HP. There has been no HP alert from any bureau.

Thoughts anyone??

Re: Interesting NFCU CLI experience

AverageJoesCredit — Wed, 07 Jun 2017 15:36:43 GMT

If the card hasnt reached 90 plus days plus 3 statement cuts it most likely would be auto declined. Happened to me . As soon as i knew 100% sure that i had at least 90 days plus 3 official statement cuts, i got my first cli instant. Days really do seem to make a difference with Navy

Re: Interesting NFCU CLI experience

Anonymous — Wed, 07 Jun 2017 17:19:46 GMT

@jc2 wrote:
I have a few NFCU products (love them) and my most recent, the CashRewards card, was around the 90ish daymark since originally applied so I decided to hit the CLI button. Recieved the 24 hour review msg, Immidiatly called in and asked to withdraw the request since I dont want a HP. Rep said, it was "auto declined" for "account too new" and there was no HP and will not be any HP. I said this doesnt sound right as this has not been my experience in the recent past. She put me on hold and checked with the loan dept, they confirmed. This didnt sound right from everything I've learned on this forum and from my own previous experience on other NFCU products and cli's etc. So....I called back to speak to a different rep, she revied the notes and came back and said the exact same thing. "Auto declined for account too new" no HP. She said you can try again in a few days...if its still too new, it will continue to auto decline with no HP. There has been no HP alert from any bureau.

Thoughts anyone??

This is correct- no hard pull

Re: Interesting NFCU CLI experience

jc2 — Wed, 07 Jun 2017 20:48:57 GMT

got it. Thanks much