topic Re: NFCU is no longer Hard Pull Happy? in Credit Card Applications

NFCU is no longer Hard Pull Happy?

Anonymous — Tue, 24 Dec 2019 22:23:57 GMT

My father, brother and sister all got SP CLI from Navy Federal this month. My sister got her CLI on the 6th, my brother on the 13th and my father yesterday. Surprising that NFCU is not Hard Pull crazy anymore. Anyone got a hard pull inquiry for NFCU Credit limit increase this month?

Re: NFCU is no longer Hard Pull Happy?

M_Smart007 — Tue, 24 Dec 2019 22:27:19 GMT

@Anonymous wrote:
My father, brother and sister all got SP CLI from Navy Federal this month. My sister got her CLI on the 6th, my brother on the 13th and my father yesterday. Surprising that NFCU is not Hard Pull crazy anymore. Anyone got a hard pull inquiry for NFCU Credit limit increase this month?

Having read every approval, I did not see 1 HP for a CLI.

Re: NFCU is no longer Hard Pull Happy?

AllZero — Tue, 24 Dec 2019 22:28:42 GMT

Re: NFCU is no longer Hard Pull Happy?

Anonymous — Tue, 24 Dec 2019 22:33:02 GMT

@M_Smart007 wrote:
@Anonymous wrote:
My father, brother and sister all got SP CLI from Navy Federal this month. My sister got her CLI on the 6th, my brother on the 13th and my father yesterday. Surprising that NFCU is not Hard Pull crazy anymore. Anyone got a hard pull inquiry for NFCU Credit limit increase this month?
Having read every approval, I did not see 1 HP for a CLI.

Yeah, all SP CLI in the Approval section too. Hopefully, it is a long term thing for SP CLI going forward.

Re: NFCU is no longer Hard Pull Happy?

Anonymous — Tue, 24 Dec 2019 22:33:25 GMT

You been sleeping all month? There's been quite a slurry of SP CLI going on in the month of giving, although may only be just that.

I am curious when the cutoff point will be, Dec. 31st or possibly in January.

However, it would be nice if it is the norm going forward. That said, it is a Credit union so i'm not holding my breath.

Re: NFCU is no longer Hard Pull Happy?

M_Smart007 — Tue, 24 Dec 2019 22:36:15 GMT

@Anonymous wrote:
You been sleeping all month? There's been quite a slurry of SP CLI going on in the month of giving, although may only be just that.
I am curious when the cutoff point will be, Dec. 31st or possibly in January.

However, it would be nice if it is the norm going forward. That said, it is a Credit union so i'm not holding my breath.

It would be nice to see it stick.

Re: NFCU is no longer Hard Pull Happy?

Anonymous — Tue, 24 Dec 2019 22:37:03 GMT

@Anonymous wrote:
You been sleeping all month? There's been quite a slurry of SP CLI going on in the month of giving, although may only be just that.
I am curious when the cutoff point will be, Dec. 31st or possibly in January.

However, it would be nice if it is the norm going forward. That said, it is a Credit union so i'm not holding my breath.

I see them, but normally only happen early in the month after AR and FICO score update.

Re: NFCU is no longer Hard Pull Happy?

M_Smart007 — Tue, 24 Dec 2019 22:41:37 GMT

@Anonymous wrote:
@Anonymous wrote:
You been sleeping all month? There's been quite a slurry of SP CLI going on in the month of giving, although may only be just that.
I am curious when the cutoff point will be, Dec. 31st or possibly in January.

However, it would be nice if it is the norm going forward. That said, it is a Credit union so i'm not holding my breath.
I see them, but normally only happen early in the month after AR and FICO score update.

I wonder if a call to NFCU would yield any info on SP's going forward? .. I am tempted to call.

Re: NFCU is no longer Hard Pull Happy?

CreditInspired — Tue, 24 Dec 2019 23:41:32 GMT

@M_Smart007 wrote:
@Anonymous wrote:
@Anonymous wrote:
You been sleeping all month? There's been quite a slurry of SP CLI going on in the month of giving, although may only be just that.
I am curious when the cutoff point will be, Dec. 31st or possibly in January.

However, it would be nice if it is the norm going forward. That said, it is a Credit union so i'm not holding my breath.
I see them, but normally only happen early in the month after AR and FICO score update.
I wonder if a call to NFCU would yield any info on SP's going forward? .. I am tempted to call.

Nooooooooooo. I want it to stay broken, if that's what it is

Re: NFCU is no longer Hard Pull Happy?

M_Smart007 — Tue, 24 Dec 2019 23:43:04 GMT

@CreditInspired wrote:
@M_Smart007 wrote:
@Anonymous wrote:
@Anonymous wrote:
You been sleeping all month? There's been quite a slurry of SP CLI going on in the month of giving, although may only be just that.
I am curious when the cutoff point will be, Dec. 31st or possibly in January.

However, it would be nice if it is the norm going forward. That said, it is a Credit union so i'm not holding my breath.
I see them, but normally only happen early in the month after AR and FICO score update.
I wonder if a call to NFCU would yield any info on SP's going forward? .. I am tempted to call.
Nooooooooooo. I want it to stay broken, if that's what it is

You caught me just in time, I was dialing and seen this. Broken it stays

Re: NFCU is no longer Hard Pull Happy?

CreditInspired — Tue, 24 Dec 2019 23:54:13 GMT

@M_Smart007 wrote:
@CreditInspired wrote:
@M_Smart007 wrote:
@Anonymous wrote:
@Anonymous wrote:
You been sleeping all month? There's been quite a slurry of SP CLI going on in the month of giving, although may only be just that.
I am curious when the cutoff point will be, Dec. 31st or possibly in January.

However, it would be nice if it is the norm going forward. That said, it is a Credit union so i'm not holding my breath.
I see them, but normally only happen early in the month after AR and FICO score update.
I wonder if a call to NFCU would yield any info on SP's going forward? .. I am tempted to call.
Nooooooooooo. I want it to stay broken, if that's what it is
You caught me just in time, I was dialing and seen this. Broken it stays

Re: NFCU is no longer Hard Pull Happy?

CerebralZulu — Wed, 25 Dec 2019 16:52:12 GMT

LOL, if its broken don't fix it! :-)

Re: NFCU is no longer Hard Pull Happy?

Anonymous — Wed, 25 Dec 2019 18:50:38 GMT

I'm guessing AJC will be the first one to test water in 6 months, since he was the first to reqest and discovered the "glitch"?

Re: NFCU is no longer Hard Pull Happy?

Anonymous — Wed, 25 Dec 2019 20:15:39 GMT

@Anonymous wrote:
I'm guessing AJC will be the first one to test water in 6 months, since he was the first to reqest and discovered the "glitch"?

It was actually @thornback who discovered the SP this month and there was another member who called and was told that CLIs will be SP first from now on.

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Thread-for-CLI-and-Additional-Cards/m-p/5832084/highlight/true#M249012

To be honest, it doesn't make sense that they need an HP anyway since they SP EQ every month for ARs. Hopefully it sticks around.

Re: NFCU is no longer Hard Pull Happy?

Anonymous — Wed, 25 Dec 2019 20:50:42 GMT

@Anonymous wrote:
@Anonymous wrote:
I'm guessing AJC will be the first one to test water in 6 months, since he was the first to reqest and discovered the "glitch"?
It was actually @thornback who discovered the SP this month and there was another member who called and was told that CLIs will be SP first from now on.

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Thread-for-CLI-and-Additional-Cards/m-p/5832084/highlight/true#M249012

To be honest, it doesn't make sense that they need an HP anyway since they SP EQ every month for ARs. Hopefully it sticks around.

Yeah, hopefully, the SP CLI sticks around going forward. I am waiting on next month score update to request a CLI!

Re: NFCU is no longer Hard Pull Happy?

Brian_Earl_Spilner — Wed, 25 Dec 2019 20:58:05 GMT

@Anonymous wrote:
@Anonymous wrote:
I'm guessing AJC will be the first one to test water in 6 months, since he was the first to reqest and discovered the "glitch"?
It was actually @thornback who discovered the SP this month and there was another member who called and was told that CLIs will be SP first from now on.

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Thread-for-CLI-and-Additional-Cards/m-p/5832084/highlight/true#M249012

To be honest, it doesn't make sense that they need an HP anyway since they SP EQ every month for ARs. Hopefully it sticks around.

Pretty sure I beat everyone to the punch, but it was considered a fluke.

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/No-HP-NFCU-CLI/m-p/5744799

Re: NFCU is no longer Hard Pull Happy?

Anonymous — Wed, 25 Dec 2019 21:48:36 GMT

@Brian_Earl_Spilner wrote:
@Anonymous wrote:
@Anonymous wrote:
I'm guessing AJC will be the first one to test water in 6 months, since he was the first to reqest and discovered the "glitch"?
It was actually @thornback who discovered the SP this month and there was another member who called and was told that CLIs will be SP first from now on.

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Thread-for-CLI-and-Additional-Cards/m-p/5832084/highlight/true#M249012

To be honest, it doesn't make sense that they need an HP anyway since they SP EQ every month for ARs. Hopefully it sticks around.
Pretty sure I beat everyone to the punch, but it was considered a fluke.

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/No-HP-NFCU-CLI/m-p/5744799

That was months back. It's well known that NFCU sometimes will let you get a SP CLI right after the AR but what's unprecedented is how long the CLI window has been and NOBODY getting a HP this month, even ones that were declined.

Re: NFCU is no longer Hard Pull Happy?

Anonymous — Wed, 25 Dec 2019 22:22:08 GMT

Did anyone try this with the CLOC?

Re: NFCU is no longer Hard Pull Happy?

AverageJoesCredit — Thu, 26 Dec 2019 11:41:25 GMT

I have a shiny new hp for a Cloc denial

Re: NFCU is no longer Hard Pull Happy?

spiritcraft1 — Thu, 26 Dec 2019 14:41:51 GMT

Perhaps there should be SP/HP tracking thread for NFCU CLI's?