topic Re: NFCU CLI Question in Credit Card Applications

NFCU CLI Question

Wavester64 — Wed, 24 Jun 2020 15:02:31 GMT

DW has a NFCU Platinum that recently passed 91/3.

I assured her that a CLI would be a SP.

She called yesterday and requested a SP CLI, they told her that because she was asking for it
it's a HP and that she would have to wait a year before she could be eligible for an auto SP CLI.

To me that goes against ALL the DPs that are discussed on here.

She went for the HP CLI against my advising her not to - and she only got $400 on top of her current $1000, which also goes against all the DPs I have read on here.

I told her to call them back and see if she can app for another card under that same HP, and NFCU said she couldn't. This one I am not sure about but I figured since a HP was waisted, try for it.

I guess things are different now @ NFCU?

Re: NFCU CLI Question

Girlzilla88 — Wed, 24 Jun 2020 15:19:22 GMT

I'm curious to see what others say I haven't hit my 91/3 just yet so I can't peep my 2 cents :/

Re: NFCU CLI Question

Anonymous — Wed, 24 Jun 2020 15:34:16 GMT

When I have requested CLI online they have been SP lately. As for the new card, they pull TU. All CLI are EQ so you wouldn't be able to use the same pull.

@Wavester64 wrote:
DW has a NFCU Platinum that recently passed 91/3.

I assured her that a CLI would be a SP.

She called yesterday and requested a SP CLI, they told her that because she was asking for it
it's a HP and that she would have to wait a year before she could be eligible for an auto SP CLI.

To me that goes against ALL the DPs that are discussed on here.

She went for the HP CLI against my advising her not to - and she only got $400 on top of her current $1000, which also goes against all the DPs I have read on here.

I told her to call them back and see if she can app for another card under that same HP, and NFCU said she couldn't. This one I am not sure about but I figured since a HP was waisted, try for it.

Re: NFCU CLI Question

Girlzilla88 — Wed, 24 Jun 2020 15:44:36 GMT

It seems that is what I'm reading too everyone is saying it has to be requested online for SP. I pulled this from someone that recently got a 'SP CLI' Then, I requested a CLI on my Navy Flagship Rewards card from $18K to $25K. Even though a Navy CSR told me requesting a CLI would result in a HP, I read numerous accounts here of SP CLIs when requested online. So I went on the Navy website and asked for a CLI to $25K. My last CLI had been just over a year ago. So far, no HP so I guess this is another datapoint for a SP CLI from Navy.

Re: NFCU CLI Question

Bestman79 — Wed, 24 Jun 2020 16:39:33 GMT

Hello,

I recently joined NFCU back in March and just hit my 91/3 on 6/19. Sorry to hear about DW $400 increase. Any increase beats nothing. After tons of reading on here my plan was to app for 2nd card then request online CLI on 1st card. Well declined for 2nd card, I immediately called to recon. Received email today stating" I've reached maximum limit" I take that lightly as I've only been a member just over 3 months. Still strange nonetheless if that was reason given for denial for 2nd card that I request increase on card 1 afterwards which SL was $1K and was increased to $3K. Given the current climate we're living in I'll happily take denial for now on the Cash back & $2K bump on my More Rewards. Truly thought denial would be for too many accounts as I have 1/6 , 7/12. Next increase request should be done online. Hope this helps.

Re: NFCU CLI Question

Mr_Mojo_Risin — Wed, 24 Jun 2020 18:48:46 GMT

I'm pretty sure all of the SP CLI I've read were done on the website or the app.

Well I'm certainly sorry to hear about the HP. I'm glad DW got something out of it!

Re: NFCU CLI Question

Mr_Mojo_Risin — Wed, 24 Jun 2020 18:51:27 GMT

@Girlzilla88 wrote:
I'm curious to see what others say I haven't hit my 91/3 just yet so I can't peep my 2 cents :/

I'm kind of in same spot as you. My 91/3 is next 7/19.

Re: NFCU CLI Question

Mr_Mojo_Risin — Wed, 24 Jun 2020 18:57:19 GMT

@Bestman79 wrote:
Hello,
I recently joined NFCU back in March and just hit my 91/3 on 6/19. Sorry to hear about DW $400 increase. Any increase beats nothing. After tons of reading on here my plan was to app for 2nd card then request online CLI on 1st card. Well declined for 2nd card, I immediately called to recon. Received email today stating" I've reached maximum limit" I take that lightly as I've only been a member just over 3 months. Still strange nonetheless if that was reason given for denial for 2nd card that I request increase on card 1 afterwards which SL was $1K and was increased to $3K. Given the current climate we're living in I'll happily take denial for now on the Cash back & $2K bump on my More Rewards. Truly thought denial would be for too many accounts as I have 1/6 , 7/12. Next increase request should be done online. Hope this helps.

That seems strange NFCU said you were at max limit but then gave you a CLI.

Re: NFCU CLI Question

M_Smart007 — Wed, 24 Jun 2020 19:02:46 GMT

Got to make sure you ask for NFCU CLI's on App or Website ..Not over the phone.

Re: NFCU CLI Question

Girlzilla88 — Wed, 24 Jun 2020 19:10:55 GMT

@Bestman79 Are you sure you hit your FULL 3 statements, I show 3 right now but the 1st one isn't an actual statement (full statement) So mine will be ready/availble July 6th for 3 full statements and I got mine I believe it was in March too?! I'll have to look back but that may be a possibility?!?!

Re: NFCU CLI Question

Girlzilla88 — Wed, 24 Jun 2020 19:11:51 GMT

@Mr_Mojo_Risin Awesome hopefully July will hold great things for us both *fingers crossed* Mine should be around the 6th when my 3rd full statement posts, but I may give it a few extra days before Love too to be safe :3

Re: NFCU CLI Question

Mr_Mojo_Risin — Wed, 24 Jun 2020 19:19:51 GMT

@Girlzilla88 wrote:
@Bestman79 Are you sure you hit your FULL 3 statements, I show 3 right now but the 1st one isn't an actual statement (full statement) So mine will be ready/availble July 6th for 3 full statements and I got mine I believe it was in March too?! I'll have to look back but that may be a possibility?!?!

My first statement was 25 days long. Would that be considered a full statement?

Apologies to Wavester if I'm hijacking

Re: NFCU CLI Question

Girlzilla88 — Wed, 24 Jun 2020 19:23:28 GMT

@Mr_Mojo_Risin Does that have a Payment due showing/reported?! For example my first one is Long as well, but it says 0 due because my first official statment wasn't until after so the next one showed Payment Due. ^^

Re: NFCU CLI Question

Girlzilla88 — Wed, 24 Jun 2020 19:25:37 GMT

@Mr_Mojo_Risin So technically I have 3 Statements showing, but the first one don't count LOL

Re: NFCU CLI Question

Mr_Mojo_Risin — Wed, 24 Jun 2020 19:33:40 GMT

@Girlzilla88 wrote:
@Mr_Mojo_Risin So technically I have 3 Statements showing, but the first one don't count LOL

I know lol!! That's what I'm worried about!! But I PIF by my first statement and 0 was reported to CRA. So I'm not sure if a 25 day statement cycle is considered a full one

Re: NFCU CLI Question

Girlzilla88 — Wed, 24 Jun 2020 19:38:57 GMT

@Mr_Mojo_Risin If when you open your first statement it says 0 Minimum Payment and 0 Past Due I would skip it to be safe and not count it. I used almost my full CL to show them I would use it and when the statement posted 0 due I was like...HUH?!?! But the lady told me my first payment wouldn't be due until the next Statement which would be my official one which threw me through loops because I was like how?! Does that mean I owe 2 months?!?! But I guess it makes sense because it was middle of March I want to say the 10th or so when I got mine and started using which was after that periods statement cut for me (mine cuts on the 5th not sure if everyones is the same?!) LOL

Re: NFCU CLI Question

Mr_Mojo_Risin — Wed, 24 Jun 2020 19:52:59 GMT

@Girlzilla88 I'm gonna go back and check first statement. But waiting a little longer could only help. Some of this stuff gets a little confusing lol!!

Well definitely let us know how it goes here soon for your 91/3 or 4? Lol fingers crossed for you!!

Re: NFCU CLI Question

Girlzilla88 — Wed, 24 Jun 2020 19:53:56 GMT

@Mr_Mojo_Risin YES definitely!

Re: NFCU CLI Question

Bestman79 — Wed, 24 Jun 2020 20:23:03 GMT

IKR, my exact sentiments! It's not like I was applying for their Flagship but truly what was the difference between approving the Cash Rewards for $2K as opposed to increasing my More Rewards limit? Definitely left me puzzled...Either way I'm please with outcome.

Re: NFCU CLI Question

Bestman79 — Wed, 24 Jun 2020 21:23:41 GMT

Hmm ok, after verifying my 1st statement also is 25 days. Shows balance but no payment due. So the 91/3 is good enough for request CLIs but needs to be 91/ 3 FULL Statements for additional cards? Quite interesting! Thanks for bringing that to my attention.