topic Re: OMG...NFCU...CLI... in Credit Cards

OMG...NFCU...CLI...

Anonymous — Tue, 03 Feb 2009 16:30:15 GMT

I have been a NFCU member for 10 mo...Nrewards 11k Gorewards 7.5....CL

called and spoke to CSR and asked if they do auto CLI, they checked account, and bumped CL on both cards to 17.5K WOW!

my overall Fico UTL is about 50%, but on these cards it is about 70%. i have a perfect payment history with them, and i am sure that is what they go by...

i also think that they like if you use other products, like auto loan and LOC...(i have both)

I LOVE NAVY

Re: OMG...NFCU...CLI...

oracles — Tue, 03 Feb 2009 16:32:15 GMT

Wow mymy, congrats indeed

That is great, i am so jealous lol

I wish i can join

Re: OMG...NFCU...CLI...

llecs — Tue, 03 Feb 2009 16:36:57 GMT

Wow! Impressive.

Re: OMG...NFCU...CLI...

Anonymous — Tue, 03 Feb 2009 16:56:48 GMT

Wow. Fantastic CLIs! Congrats!

If you don't mind me asking, what is your usage like with your NFCU cards? Are you using for BTs?

Re: OMG...NFCU...CLI...

Anonymous — Tue, 03 Feb 2009 17:03:22 GMT

Fret,

no BT as of yet but might do next month.....NOT a heavy user for small purchases, usually airline and other larger ticket items...my scores are similar to yours, however when i became a member they were a bit higher ( low 700's), pay 5 to 8x minimum payment..

Re: OMG...NFCU...CLI...

Anonymous — Tue, 03 Feb 2009 17:25:15 GMT

Super Congrats mymy!!!!!

Those Navy Fed auto-CLI's are fantastic.

I'm a fellow Navy Fed member and they

take great care of the membership.

You're right --- the absolute number one thing

Navy Fed looks at for CLI's is paying on time.

High utilization doesn't matter. As long as you

pay on time and don't go over your limit, you have

a great shot at a CLI every 6 months.

And the emphasis on paying on time is reflected in

the CEO's latest comments on the homepage. He talks

about Navy Fed members taking personal responsibility

and being connected. When you make your payments

on time, that allows Navy Fed to lend to someone else.

The more efficiently this happens, the more profit is

made....which results in lower loan rates and higher

deposit rates on savings accounts, CD's, etc.

Once again, Congratulations on the auto-CLI's. It's nice

to know that Navy Fed continues to set the example by

having the confidence to lend to its best members,

especially during tough times. Enjoy!!!

CanDo

"The right attitude is everything"

Re: OMG...NFCU...CLI...

REgnlor — Tue, 03 Feb 2009 18:10:01 GMT

Wonderfully awesome CLI's!!! Love them the most!!! Can't wait to get my score up a bit and ask for another one. They just gave me 5k with my 620 and 70% util. Big big congrats!!!1

Re: OMG...NFCU...CLI...

2009 — Tue, 03 Feb 2009 18:55:51 GMT

Congrats!!! I just have one question...When you ask for a CLI does NFCU do a credit check? The reason I ask is because when I got my vehicle loan approved through them my score has dropped alittle. I presently have the rewards card with them and I am interested in asking for a CLI.

Thanks!!!

Re: OMG...NFCU...CLI...

Anonymous — Tue, 03 Feb 2009 19:10:38 GMT

@2009 wrote:
Congrats!!! I just have one question...When you ask for a CLI does NFCU do a credit check? The reason I ask is because when I got my vehicle loan approved through them my score has dropped alittle. I presently have the rewards card with them and I am interested in asking for a CLI.

Thanks!!!

They will instantly approve you if they can, but if the approval isn't instant, they refer it to the credit committee which will then result in a hard pull. When I tried for my CLI, I was asked if I wanted the committee to look at it further, and that it would result in a hard pull. However, they made me aware it was optional, and it was my choice to continue.

Re: OMG...NFCU...CLI...

Anonymous — Tue, 03 Feb 2009 20:04:10 GMT

You know you're addicted to MyFICO when:

OMG... NFCU...CLI...

Makes sense to you and is almost a complete paragraph.

Re: OMG...NFCU...CLI...

Anonymous — Tue, 03 Feb 2009 20:22:25 GMT

CanDo

"The right attitude is everything"

Re: OMG...NFCU...CLI...

TangMeister — Wed, 04 Feb 2009 00:15:25 GMT

@Anonymous wrote:
You know you're addicted to MyFICO when:

OMG... NFCU...CLI...

Makes sense to you and is almost a complete paragraph.

So very true!

Re: OMG...NFCU...CLI...

Anonymous — Wed, 04 Feb 2009 01:01:10 GMT

i just wish i can sprinkle some of that NFCU fairy dust over BOA.....