topic Re: NFCU CLI ? in Credit Cards

NFCU CLI 3 to 5 day message?

bichonmom — Wed, 04 Apr 2012 21:36:47 GMT

How long does it usually take to get an answer on a CLI request w/Navy? I got the 3-5 day message.

Re: NFCU CLI ?

rbizzle — Wed, 04 Apr 2012 20:40:11 GMT

Mine have always been instant. Except when i asked to go from 15k to 17.5k. I got the 3-5 on that and was ultimatly denied the request. But in my defense i had just gotten approved for another credit card from them and an increase in my NavCheck LOC. Don't worry all is good. Call member service and see if they can review the request over the phone.

Re: NFCU CLI 3 to 5 day message?

bichonmom — Wed, 04 Apr 2012 21:37:21 GMT

I just logged in to check and now there's a red message telling me that my CC info is not available at this time. Has anyone ever gotten this message? (Can't see my balance, avail credit, transactions, pending authorizations, etc.)

I'm worried that I asked for too much. I went high, because #1, I'd like my monthly expenses to be roughly 10% of the CL, so that it can report w/o sinking my FICO and also #2, most people have posted high CL from Navy -- unlike my piddly $2k.

Re: NFCU CLI ?

rbizzle — Wed, 04 Apr 2012 20:52:07 GMT

I know your probably don't want to, but have you thought about applying for a second CC from them?

Re: NFCU CLI ?

Datx — Wed, 04 Apr 2012 20:53:50 GMT

@bichonmom wrote:
I just logged in to check and now there's a red message telling me that my CC info is not available at this time. Has anyone ever gotten this message? (Can't see my balance, avail credit, transactions, pending authorizations, etc.)

I'm worried that I asked for too much. I went high, because #1, I'd like my monthly expenses to be roughly 10% of the CL, so that it can report w/o sinking my FICO and also #2, most people have posted high CL from Navy -- unlike my piddly $2k.

Ugh, that to me sounds like bad news. Im hoping im wrong on this, but its very possible they flagged your account. Have you dealt with their security dept before?

Re: NFCU CLI 3 to 5 day message?

bichonmom — Wed, 04 Apr 2012 21:37:36 GMT

Red message is gone, but no info on CLI.

Re: NFCU CLI ?

bichonmom — Wed, 04 Apr 2012 21:38:30 GMT

@rbizzle wrote:
I know your probably don't want to, but have you thought about applying for a second CC from them?

I have thought about it, but I thought it would be better to get a CLI first. If they deny the CLI, I doubt they'd approve another CC!

Re: NFCU CLI ?

bichonmom — Wed, 04 Apr 2012 22:21:10 GMT

I'm really freaking out. Has anyone gotten a CLI after the 3 to 5 day message? Or is it a sign of automatic decline? I know some people have gotten counter-offers. Is that usually immediate or after the 3 to 5 day message? So far, nothing online and no email.

eta: How do you usually find out your CLI? Do they send an email? Or do you just keep logging in? I really expected an automatic response, even if it was a counter-offer. This waiting is driving me crazy!

Re: NFCU CLI ?

rbizzle — Wed, 04 Apr 2012 22:02:28 GMT

how much of an increase did you ask for?

Re: NFCU CLI 3 to 5 day message?

Anonymous — Wed, 04 Apr 2012 22:52:19 GMT

When I've gotten the 3-5 day message they've declined me. When they approved me it was immediate. The only time I got counter-offers was with the instant approvals, all of the 3-5 day messages resulted in a complete denial (no counter-offer or anything).

But that's just my experience with NFCU, it could be that they just need to review something. Every time I've expected (or hoped) for an instant approval - for example with small CLI requests - I got the 3-5 day message and got denied. But then the big CLIs can as instant approvals, and they even approved my auto loan immediately the other day. Go figure..

Re: NFCU CLI 3 to 5 day message?

bichonmom — Wed, 04 Apr 2012 23:04:36 GMT

Well, then I'm going to be really disappointed. I've waited not-so-patiently for my 6 mo anniv to get a CLI. It's a pain having to watch my balance and PIF before the stmt closes, so my FICO doesn't drop 20 points.

I've been using it for around 75% of the CL every month and have impecible history w/them. It's frustrating reading stories of people w/worse histories than me getting approved for 5-digit CLs with them -- many instant approvals. I've even read people w/BKs getting 5-digit limits. It just really looks like they don't like me.

Re: NFCU CLI 3 to 5 day message?

bostonte — Wed, 04 Apr 2012 23:12:02 GMT

I got the 3-5 day message on my first CLI request, and was approved by the following day. It's extremely common to get the 3-5 day message with Navy and eventually get approved. My second CLI was instant.

Re: NFCU CLI 3 to 5 day message?

bichonmom — Wed, 04 Apr 2012 23:16:08 GMT

@bostonte wrote:
I got the 3-5 day message on my first CLI request, and was approved by the following day. It's extremely common to get the 3-5 day message with Navy and eventually get approved. My second CLI was instant.

How did you find out? Did they send you an email? Or did you just keep logging in to your account?

Re: NFCU CLI 3 to 5 day message?

Datx — Wed, 04 Apr 2012 23:19:26 GMT

They do send an email once a decision is made. The last time I requested a CLI on my NavChek, they sent an email about an hour later and I had to login to see status. It was pretty late at night too, around 11:30 pm and they approved it.

Re: NFCU CLI 3 to 5 day message?

bichonmom — Wed, 04 Apr 2012 23:27:42 GMT

Thanks! I'm on pins and needles! (they need an emoticon biting their nails!)

Re: NFCU CLI 3 to 5 day message?

Smug — Thu, 05 Apr 2012 00:53:35 GMT

@bichonmom wrote:
Thanks! I'm on pins and needles! (they need an emoticon biting their nails!)

😱😱😱💅👾here's a few

Re: NFCU CLI 3 to 5 day message?

bichonmom — Thu, 05 Apr 2012 01:12:39 GMT

@Smug wrote:
@bichonmom wrote:
Thanks! I'm on pins and needles! (they need an emoticon biting their nails!)

😱😱😱💅👾here's a few

Hmm. Graphics aren't showing up on my computer. Just little boxes with letters and numbers

Re: NFCU CLI 3 to 5 day message?

webhopper — Thu, 05 Apr 2012 01:30:43 GMT

Good luck! I got the 3 to 5 day message, and then I got a message to check my secured message center and I was approved for the 22k limit.

Re: NFCU CLI 3 to 5 day message?

bichonmom — Thu, 05 Apr 2012 01:41:11 GMT

Thanks! What CL did you start at Webhopper?

Re: NFCU CLI 3 to 5 day message?

Smug — Thu, 05 Apr 2012 01:53:23 GMT

Sorry on a mac