topic Re: Nationwide Bank Visa CLI process in Credit Cards

Nationwide Bank Visa CLI process

SpaceInvader — Wed, 17 Dec 2014 18:50:18 GMT

So I just talked with NationwideBank about getting a CLI on the VISA I am an AU on and the response of the rep was that NWB does not do CLI's nor is there a way in their systems to request it or give it to a customer.

I requested further clarrification and was confirmed that they don't do consumer initiated CLI's nor do they give CLI's based on internal review of a customer. The limit you get when you apply is the limit you stay with till whenever they change this policy. So basically you could do all kinds of spending/PIF'ing but you won't get a CLI: zilch, nada, nothing, sifr, xejn, אֶ֫פֶס, nocht, anyway you can think of saying 0!!

Thought I'ld share. Let me know if you have experienced differently.

Re: Nationwide Bank Visa CLI process

juggar — Wed, 17 Dec 2014 18:51:39 GMT

@SpaceInvader wrote:
So I just talked with NationwideBank about getting a CLI on the VISA I am an AU on and the response of the rep was that NWB does not do CLI's nor is there a way in their systems to request it or give it to a customer.

I requested further clarrification and was confirmed that they don't do consumer initiated CLI's nor do they give CLI's based on internal review of a customer. The limit you get when you apply is the limit you stay with till whenever they change this policy. So basically you could do all kinds of spending/PIF'ing but you won't get a CLI: zilch, nada, nothing, sifr, xejn, אֶ֫פֶס, nocht, anyway you can think of saying 0!!

Thought I'ld share. Let me know if you have experienced differently.

Wow, thanks for the info. good thing I dont use mine then.

Re: Nationwide Bank Visa CLI process

1GaDawg85 — Wed, 17 Dec 2014 18:55:54 GMT

WOW, that is terrible! I have my car and home insurance through them and had thought about applying for this card but definitely won't do that now!

Re: Nationwide Bank Visa CLI process

Anonymous — Wed, 17 Dec 2014 18:56:30 GMT

Interesting. They sent my Mother a mailer pre-approving her for $25,000 at 11.24%.

Re: Nationwide Bank Visa CLI process

SpaceInvader — Wed, 17 Dec 2014 19:00:35 GMT

yeah they had sent my wife a pre-approval for "upto" 15K hence that is why we app'ed.

@Anonymous wrote:
Interesting. They sent my Mother a mailer pre-approving her for $25,000 at 11.24%.

Re: Nationwide Bank Visa CLI process

Anonymous — Wed, 17 Dec 2014 19:02:04 GMT

@SpaceInvader wrote:
yeah they had sent my wife a pre-approval for "upto" 15K hence that is why we app'ed.
@Anonymous wrote:
Interesting. They sent my Mother a mailer pre-approving her for $25,000 at 11.24%.

How long's it been open?

Re: Nationwide Bank Visa CLI process

SpaceInvader — Wed, 17 Dec 2014 19:04:54 GMT

Almost 9 months.

@Anonymous wrote:
How long's it been open?

Re: Nationwide Bank Visa CLI process

sccredit — Wed, 17 Dec 2014 19:07:07 GMT

Too bad there is not an Exec Office email out there,

Re: Nationwide Bank Visa CLI process

1GaDawg85 — Wed, 17 Dec 2014 19:07:49 GMT

well let it smell like socks then! keep it open and let it age

Re: Nationwide Bank Visa CLI process

1GaDawg85 — Wed, 17 Dec 2014 19:08:18 GMT

@sccredit wrote:
Too bad there is not an Exec Office email out there,

I'm sure there is....just need to go hunt for it

Re: Nationwide Bank Visa CLI process

sccredit — Wed, 17 Dec 2014 19:09:27 GMT

@1GaDawg85 wrote:
@sccredit wrote:
Too bad there is not an Exec Office email out there,
I'm sure there is....just need to go hunt for it

I did a quick google search and came up blank but with $8.5 billion in assets there has to be a way

Re: Nationwide Bank Visa CLI process

juggar — Wed, 17 Dec 2014 19:09:57 GMT

If its any consolation, they do give large limits to "offset" the no CLI policy.

Back when they solicited me my highest limit card was 6K and they matched that.

So I guess they look at your credit profile and give a pretty sizable limit based on your current card limits.

Re: Nationwide Bank Visa CLI process

1GaDawg85 — Wed, 17 Dec 2014 19:10:58 GMT

@juggar wrote:
If its any consolation, they do give large limits to "offset" the no CLI policy.

Back when they solicited me my highest limit card was 6K and they matched that.

So I guess they look at your credit profile and give a pretty sizable limit based on your current card limits.

thats probably their policy....match other cards on file and let it ride

Re: Nationwide Bank Visa CLI process

Anonymous — Wed, 17 Dec 2014 19:12:21 GMT

@1GaDawg85 wrote:
@juggar wrote:
If its any consolation, they do give large limits to "offset" the no CLI policy.

Back when they solicited me my highest limit card was 6K and they matched that.

So I guess they look at your credit profile and give a pretty sizable limit based on your current card limits.

thats probably their policy....match other cards on file and let it ride

Makes sense.

Re: Nationwide Bank Visa CLI process

1GaDawg85 — Wed, 17 Dec 2014 19:15:24 GMT

found a name on their site but may need to do some digging to find an email

Re: Nationwide Bank Visa CLI process

SpaceInvader — Wed, 17 Dec 2014 19:25:30 GMT

@juggar: that is what we were hoping for after reading on here about theirlarge limits but i guess since we are rebuilding didn't qualify for it.

Yeah for now it is just going to sit pretty in the drawer.

Definitely would be interesting to see what the EO office would have to say about this.

Re: Nationwide Bank Visa CLI process

1GaDawg85 — Wed, 17 Dec 2014 19:30:11 GMT

@SpaceInvader wrote:
@juggar: that is what we were hoping for after reading on here about theirlarge limits but i guess since we are rebuilding didn't qualify for it.

Yeah for now it is just going to sit pretty in the drawer.

Definitely would be interesting to see what the EO office would have to say about this.

they may not even be aware of it or that they want this policy for a reason. at least explain it