topic Re: NFCU CLOC in Personal Finance

NFCU CLOC

Anonymous — Mon, 03 Apr 2017 03:14:57 GMT

Omg, I think I'm gonna have a heart attack.

Approved 15,000.00 for NFCU CLOC.

Can't believe my luck! I've not hit the CLI

love button on my rewards card yet. I'm waiting

till the 3rd statement for that one on April 15th!

Re: NFCU CLOC

Anonymous — Mon, 03 Apr 2017 03:21:29 GMT

@Anonymous wrote:
Omg, I think I'm gonna have a heart attack.
Approved 15,000.00 for NFCU CLOC.

Can't believe my luck! I've not hit the CLI
love button on my rewards card yet. I'm waiting
till the 3rd statement for that one on April 15th!

Congrats! Would you mind sharing your stats? 👍

Re: NFCU CLOC

Anonymous — Mon, 03 Apr 2017 03:45:40 GMT

AX 500, NFCU Rewards 1700, NFCU CLOC 15000, Paypal 2000, 3 Cap one cards 1500,1100, 500, Barclay apple 1500, Merrick Bank 1400, True Value 1000, Pier 1 1500, Marathan 1000, Kay's 1500, Florida Credit Union 500, Florida Credit Union CLOC 500.

EQ 615, TU 635, Ex 639.

Got to love it. NFCU is showing me the love.

Re: NFCU CLOC

Anonymous — Mon, 03 Apr 2017 04:10:45 GMT

How do you apply for CLOC increase? I don't see anything on NFCU site to ask for increase? Do you apply for a new CLOC?

Re: NFCU CLOC

Anonymous — Mon, 03 Apr 2017 04:20:25 GMT

It's under loans. Then just tell them what kind of loan you want. When you reach the next screen it will ask how much you want for your cloc from 500 to 15000. I chose 15000 because I thought that I would be countered on it. To my surprise, the full 15k was approved.

Re: NFCU CLOC

Anonymous — Mon, 03 Apr 2017 04:22:18 GMT

I'm I assuming correctly that you only had your CLOC for 2 months when you requested the increase?

Re: NFCU CLOC

Anonymous — Mon, 03 Apr 2017 04:23:56 GMT

@Anonymous wrote:
Omg, I think I'm gonna have a heart attack.
Approved 15,000.00 for NFCU CLOC.

Can't believe my luck! I've not hit the CLI
love button on my rewards card yet. I'm waiting
till the 3rd statement for that one on April 15th!

I would *STRONGLY* advise waiting just a little l;onger on that - Navy AR will happen on or around May 1 - it's right after that you want to go for a CLI with the greatest chance of success

Good Luck!

Re: NFCU CLOC

Anonymous — Mon, 03 Apr 2017 04:24:55 GMT

Nope just opened the account Feb 3, 2017. This is my first time applying for CLOC

Re: NFCU CLOC

Anonymous — Mon, 03 Apr 2017 04:26:08 GMT

Oh I totally misunderstood! Super Congratulations!!!

Re: NFCU CLOC

Anonymous — Mon, 03 Apr 2017 04:27:01 GMT

Thank you. The CLI Love button is for the Rewards card I have with them. I'll hit that button around April 15th.

Re: NFCU CLOC

Anonymous — Mon, 03 Apr 2017 04:30:57 GMT

Everybody has told me to hit the CLI Love button on the 3rd statement cut which will be April 15th

Re: NFCU CLOC

Anonymous — Mon, 03 Apr 2017 04:31:08 GMT

@Anonymous wrote:
Thank you. The CLI Love button is for the Rewards card I have with them. I'll hit that button around April 15th.

That's what I was trying to tell you above - the next AR isn't until the end of April - waiting till then pretty much triples your chances of a really good CLI

Re: NFCU CLOC

Anonymous — Mon, 03 Apr 2017 04:32:47 GMT

What is AR for the newbee here. lol

Re: NFCU CLOC

Anonymous — Mon, 03 Apr 2017 04:37:48 GMT

O OK. Got ya.. AR = Automatic Reporting. Will they for sure report by then?

Re: NFCU CLOC

Anonymous — Mon, 03 Apr 2017 04:38:41 GMT

AR means Account Review

That's when they soft-pull your report to see all the wonderful things you've been doing with your credit, not just with them. Navy is sort of unique in that they AR everybody at the same time - the beginning of every odd-numbered month. So if you want them to see ALL your payment history with ALL your cards when you push that button, do it after the AR

Join us here on the main Navy CLI thread and you'll learn a lot

Re: NFCU CLOC

Anonymous — Mon, 03 Apr 2017 04:41:13 GMT

Sweet. Thanks for the tip. I will wait till after the AR...