topic Re: NFCU Credit Card CLIs in Credit Card Applications

NFCU Credit Card CLIs

credit8502020 — Tue, 03 Aug 2021 17:29:48 GMT

Hi All!

Has anyone recently gotten a CLI on your NFCU CC? Is it still best to request a CLI via the app to avoid a HP?

Thanks in advance for your feedback.

Re: NFCU Credit Card CLIs

coldfusion — Tue, 03 Aug 2021 18:18:05 GMT

The master thread shows that they are still handing out CLIs with the $4K cap on increases still in effect.

And yes it is still best to request a CLI online in order to ensure there isn't a HP.

Re: NFCU Credit Card CLIs

Anonymous — Tue, 03 Aug 2021 18:24:51 GMT

@credit8502020 wrote:
Hi All!

Has anyone recently gotten a CLI on your NFCU CC? Is it still best to request a CLI via the app to avoid a HP?

Thanks in advance for your feedback.

Early this year they gave me an increase on my Flagship and I didn't even ask for it.

Re: NFCU Credit Card CLIs

Mr_Mojo_Risin — Tue, 03 Aug 2021 20:59:50 GMT

I received the 4K max last week.

Yes, use the website or mobile app for best chance of SP.

Good luck if you request!

Re: NFCU Credit Card CLIs

credit8502020 — Wed, 04 Aug 2021 00:37:21 GMT

@coldfusion wrote:
The master thread shows that they are still handing out CLIs with the $4K cap on increases still in effect.

And yes it is still best to request a CLI online in order to ensure there isn't a HP.

@coldfusion Ok. Thank you!

Re: NFCU Credit Card CLIs

credit8502020 — Wed, 04 Aug 2021 00:45:55 GMT

@Anonymous wrote:
@credit8502020 wrote:
Hi All!

Has anyone recently gotten a CLI on your NFCU CC? Is it still best to request a CLI via the app to avoid a HP?

Thanks in advance for your feedback.
Early this year they gave me an increase on my Flagship and I didn't even ask for it.

@Anonymous Great! Thanks!

Re: NFCU Credit Card CLIs

Anonymous — Wed, 04 Aug 2021 01:15:44 GMT

@credit8502020 wrote:
@Anonymous wrote:
@credit8502020 wrote:
Hi All!

Has anyone recently gotten a CLI on your NFCU CC? Is it still best to request a CLI via the app to avoid a HP?

Thanks in advance for your feedback.
Early this year they gave me an increase on my Flagship and I didn't even ask for it.
@Anonymous Great! Thanks!

No problem buddy good luck

Re: NFCU Credit Card CLIs

credit8502020 — Wed, 04 Aug 2021 01:27:43 GMT

@Mr_Mojo_Risin wrote:
I received the 4K max last week.
Yes, use the website or mobile app for best chance of SP.
Good luck if you request!

@Mr_Mojo_Risin Thank you!

NFCU CLI

credit8502020 — Mon, 16 Aug 2021 22:35:53 GMT

Hi All,

I'm close to 6 months since my last CLI on my NFCU Cash Rewards card. It's currently at $22,000. I thought I recall reading that once you request pass a certain CL amount, NFCU will request tax documents, etc. Although I can show documents to support my income, I want to avoid needing to send it tax returns for privacy issues, etc.

At what point do they typically start requesting more documentation to approve your CLIs? I'm thinking about asking for an $8,000 CLI, making the total CL $30,000. My Platinum card is $25,000.

Thanks!

Re: NFCU CLI

CH-7-Mission-Accomplished — Tue, 17 Aug 2021 00:21:02 GMT

My Visa card with them has a 50K limit and I have the 15K checking LOC. They have never asked for any proof of income. I think with most credit unions it's just a matter of "it depends." Maybe it's score based or something else, but they do not seem to be consistent even within the same company in terms of POI.

Re: NFCU CLI

credit8502020 — Sun, 22 Aug 2021 05:13:20 GMT

@CH-7-Mission-Accomplished wrote:
My Visa card with them has a 50K limit and I have the 15K checking LOC. They have never asked for any proof of income. I think with most credit unions it's just a matter of "it depends." Maybe it's score based or something else, but they do not seem to be consistent even within the same company in terms of POI.

@CH-7-Mission-Accomplished Thank you!

Re: NFCU CLI

coldfusion — Sun, 22 Aug 2021 11:04:22 GMT

I don't ever remember reading about anyone getting hit with a 4506-T or -C request in response to a CLI request.

Re: NFCU CLI

Mr_Mojo_Risin — Sun, 22 Aug 2021 12:00:22 GMT

I haven't heard of anyone being asked for POI or tax documents regarding a CLI, at least not that I remember.

Re: NFCU CLI

credit8502020 — Mon, 23 Aug 2021 16:46:41 GMT

@coldfusion wrote:
I don't ever remember reading about anyone getting hit with a 4506-T or -C request in response to a CLI request.

Thank you! @coldfusion

Re: NFCU CLI

credit8502020 — Mon, 23 Aug 2021 16:47:05 GMT

@Mr_Mojo_Risin wrote:
I haven't heard of anyone being asked for POI or tax documents regarding a CLI, at least not that I remember.

Thank you! @Mr_Mojo_Risin

Re: NFCU Credit Card CLIs

credit8502020 — Mon, 23 Aug 2021 17:02:32 GMT

@Anonymous @coldfusion @Mr_Mojo_Risin

Hi! Did either of you wait until 6 statements before requesting your 2nd NFCU CLI? I know about the 181 days, but I also wanted to make sure there was a not a statement requirement as well. I want to make sure I don't request my next CLI too soon! Thanks!

Re: NFCU Credit Card CLIs

gingerflower — Mon, 23 Aug 2021 17:18:28 GMT

@credit8502020

I recently got an auto CLI on my Nfcu Amx Cc $4000 I did not request for it. But, I gladly accepted the auto CLI 👍

Re: NFCU Credit Card CLIs

Anonymous — Mon, 23 Aug 2021 17:27:39 GMT

@credit8502020 wrote:
@Anonymous @coldfusion @Mr_Mojo_Risin

Hi! Did either of you wait until 6 statements before requesting your 2nd NFCU CLI? I know about the 181 days, but I also wanted to make sure there was a not a statement requirement as well. I want to make sure I don't request my next CLI too soon! Thanks!

Well the Flagship card I mentioned earlier I didn't ask for a credit line increase. When I got the card Feb 2020 (I believe) I put a load of spend on it. I probably put at least over 10K of spend on it in the first 6 months or so. Then one day I get an email saying they were raising my limit. I guess they loved the way I was using it because I wasn't even thinking of requesting a CLI. My other two Navy cards Go Rewards and Amex they gave me 25K & 24K right off the top in 2017 & 2018 so I never asked for a CLI on those as I knew I was already at the top end of my CL. Hope this helps at least a little

Re: NFCU Credit Card CLIs

credit8502020 — Mon, 23 Aug 2021 17:32:06 GMT

@Anonymous wrote:
@credit8502020 wrote:
@Anonymous @coldfusion @Mr_Mojo_Risin

Hi! Did either of you wait until 6 statements before requesting your 2nd NFCU CLI? I know about the 181 days, but I also wanted to make sure there was a not a statement requirement as well. I want to make sure I don't request my next CLI too soon! Thanks!
Well the Flagship card I mentioned earlier I didn't ask for a credit line increase. When I got the card Feb 2020 (I believe) I put a load of spend on it. I probably put at least over 10K of spend on it in the first 6 months or so. Then one day I get an email saying they were raising my limit. I guess they loved the way I was using it because I wasn't even thinking of requesting a CLI. My other two Navy cards Go Rewards and Amex they gave me 25K & 24K right off the top in 2017 & 2018 so I never asked for a CLI on those as I knew I was already at the top end of my CL. Hope this helps at least a little

@Anonymous Thank you!

Re: NFCU Credit Card CLIs

credit8502020 — Mon, 23 Aug 2021 17:32:58 GMT

@gingerflower wrote:
@credit8502020
I recently got an auto CLI on my Nfcu Amx Cc $4000 I did not request for it. But, I gladly accepted the auto CLI 👍

@gingerflower Congrats on your CLI!