topic Re: NFCU CLI question in Credit Cards

NFCU CLI question

Anonymous — Sat, 27 Feb 2016 15:28:31 GMT

Hi everyone, first time posting but have been reading very useful information for awhile.

I recently joined NFCU in Jan '16 got the flagship checking, savings and the visa signature cc with a CL of 6k. I just applied for the CLOC and got approved for 15k! (Thanks to everyone here).

My question is when should I apply for a CLI on the visa cc?

Thanks again!

Re: NFCU CLI question

Anonymous — Sat, 27 Feb 2016 20:45:23 GMT

There is a great and ultra long thread here on NFCU CLI's that you should subscribe to Credit Addict started it a long time ago and it contiunues to keep everyone in the loop. Basically you wait until the third statement is cut before you request a CLI, also every two months NFCU does a soft pull of every credit account holder to determine their elibility so if you time it right you can get a CLI without a HP. They call that soft pull an AR, the next one is coming up any day now.

Re: NFCU CLI question

Anonymous — Sat, 27 Feb 2016 20:49:25 GMT

Thanks workingfor850. I'll look out for that AR on my report and then to the CLI

Hope I can get that 25k CL!

Re: NFCU CLI question

pizza1 — Sun, 28 Feb 2016 00:36:16 GMT

@Anonymous wrote:
Thanks workingfor850. I'll look out for that AR on my report and then to the CLI

Hope I can get that 25k CL!

always ask for $25k, they will counter or give you the full amount. If you ask for more than that, it will automatically go into 3-5 review with a HP.

Re: NFCU CLI question

MidnightOwl — Sun, 28 Feb 2016 02:20:32 GMT

It'll cost you a hard pull. I always wait for the auto cli which I've been getting every 6 months with them.

Re: NFCU CLI question

UncleB — Sun, 28 Feb 2016 04:45:09 GMT

@MidnightOwl wrote:
It'll cost you a hard pull. I always wait for the auto cli which I've been getting every 6 months with them.

Many folks have reported requesting a CLI without a HP, in particular after an AR is done.

Check out Creditaddict's thread over in applications for more info.

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Official-NFCU-CLI-Guide/td-p/2101185

Re: NFCU CLI question

Anonymous — Sun, 28 Feb 2016 04:52:30 GMT

Don't make the mistake I did. I had my account for 4 months and had only used it for a small purchase right after I got the card (to make sure it was active). I didn't use it after that because I was using Discover exclusively. I saw there had been an AR so I thought I would hit that love button. Not only was I declined for not enough usage to justify the need for an increase, they did a hp to boot..... Ooops lol

Re: NFCU CLI question

Anonymous — Sun, 28 Feb 2016 05:00:01 GMT

@mimsof4 I use my card for everything! I've racked up about 15k points since January

Can't wait to hit the luv button 👉

Re: NFCU CLI question

Anonymous — Sun, 28 Feb 2016 23:08:00 GMT

@Anonymous wrote:
Don't make the mistake I did. I had my account for 4 months and had only used it for a small purchase right after I got the card (to make sure it was active). I didn't use it after that because I was using Discover exclusively. I saw there had been an AR so I thought I would hit that love button. Not only was I declined for not enough usage to justify the need for an increase, they did a hp to boot..... Ooops lol

Sigh...an HP and a denial -couldn't have been any worse. At least you laughed it off 👍👍