topic Re: NFCU Early Approval Odds in Credit Card Applications

NFCU Early Approval Odds

Anonymous — Mon, 28 Aug 2017 06:27:42 GMT

I just had my 3rd statement cut for my NFCU Platinum MC. It's 3 days before it'll hit 90 days, but I am curious if any member around here had asked for their CLI earlier then the 90 days with 3 statements cut or not? Not that I can't wait for 3 days, but I will admit that the itch is there to attempt and push the button. The only issue of course is that I wouldn't want to screw up my odds to then get the CLI eventually after the 90 days.

Re: NFCU Early Approval Odds

AverageJoesCredit — Mon, 28 Aug 2017 12:20:49 GMT

Yup ive hit early , got 3 letters as Navy never responds if its not instant approval. Itll say too new account. I understand the itch all too well but September is upon us. Best of luck on getting your cli

Re: NFCU Early Approval Odds

Loquat — Mon, 28 Aug 2017 12:34:51 GMT

In my opinion, I'd just wait...it's only few more days... Good luck to you though...hopefully you'll have positive results!

Re: NFCU Early Approval Odds

Anonymous — Mon, 28 Aug 2017 16:24:23 GMT

Got it! I'm just going to wait the extra few days.

Re: NFCU Early Approval Odds

mrldp40 — Mon, 28 Aug 2017 16:46:41 GMT

Wait til 92 days and pull the trigger . I did and got a new card and a decent cli

Re: NFCU Early Approval Odds

Anonymous — Mon, 28 Aug 2017 16:49:31 GMT

Awesome! That would be 9/2 for me... counting the days... 👍

Re: NFCU Early Approval Odds

Anonymous — Mon, 28 Aug 2017 16:50:07 GMT

Also is it good to have a $0 balance when asking for the CLI?

Re: NFCU Early Approval Odds

mrldp40 — Mon, 28 Aug 2017 16:52:26 GMT

I had a balance of 550 on a 1000 card alot of negs lot of inqs low income they increased me to 3500 plus another card 2000

Re: NFCU Early Approval Odds

Anonymous — Mon, 28 Aug 2017 16:53:32 GMT

Got it! I'll probably pay it down to $0 just cause I have the money put back in savings to pay it off in full as I have been the last 3 months.

Re: NFCU Early Approval Odds

mrldp40 — Mon, 28 Aug 2017 16:55:10 GMT

Good idea . It may make u get a bigger increase to good luck

Re: NFCU Early Approval Odds

Anonymous — Wed, 30 Aug 2017 06:36:38 GMT

Well I realized that I can ask for my CLI but I had a $600 balance. Paid that right now and going to let it post and then I'm going to pull that lever and hope for BIG MONEY!

Also hoping they can approve me for a 2nd card as well.

Re: NFCU Early Approval Odds

AverageJoesCredit — Wed, 30 Aug 2017 17:56:18 GMT

I cant wait to see tomorrow to see if the cli splurge begins

Re: NFCU Early Approval Odds

Anonymous — Wed, 30 Aug 2017 18:03:18 GMT

Yeah I can't wait either... wish I had thought ahead and paid it sooner so I could do it right now 😔

Re: NFCU Early Approval Odds

Anonymous — Thu, 31 Aug 2017 05:34:25 GMT

Update!

Payment had processed so it was showing my credit limit available to $1700 again. I decided I would now ask for the CLI and got the dreaded under review but should hear back in 24 hours.

I figured I would app for the 2nd card now as well. I got an immediate you don't meet lending criteria on that one so it has me wondering if maybe they might have me as still too new.

I messaged them because I was unable to call but they just told me to wait for the letter in 7 to 10 days. Last time this occurred they just straight up told me I was too new and I would have to show at least 3 months of good payment history.

I got a feeling I might have to app for the 2nd card later but maybe with the manual review on the CLI they will see my history and that's it's indeed 3 statements/90 days and hook me up!

I also noticed no hard pulls after doing either of these apps either by the way, which makes me think it auto-generated too new status on me.

Re: NFCU Early Approval Odds

AverageJoesCredit — Thu, 31 Aug 2017 13:02:53 GMT

Yeah you probably hit too soon. For some reason i thought today was Sept 1 but we are still in Aug lol. No worries VB, give it a couple days and try again. Ive done it nyself but keep getting the 24hr message which i now know to be a letter coming . Im going to try and wait til Sept 11 to see if my 6 months date helps any

Re: NFCU Early Approval Odds

Anonymous — Thu, 31 Aug 2017 18:42:39 GMT

Thanks! I did call them this morning and they told me it was denied to the account being too new. The lady on the phone was super nice but she told me that they usually want people to wait 6 months before asking for any increase of credit.

Which then I had asked if that was the case then why is it the letter they send out tells people to wait 3 months after opening a new account? She said I got her on that one but that she sees more success with people asking at 6 months vs. 3 months.

Guess she hasn't ran into this forum? 😂😂😂