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NFCU CLI Request - Timing

New Contributor

NFCU CLI Request - Timing

Discharged from Bankruptcy in September of 2019.


Re-established my account with NFCU in December (was a member about 15 years prior - account had just gone dormant) and opened up both a checking (which is my primary account), savings, and got a NSecured Card with a $300 limit (PIF each month).   


My NSecured Card unsecured at the end of April with a $2K limit.   Have been pushing anywhere from $500 - $1K a month with the higher limit, always reporting a zero balance (utilizing 3 cards, the only one that reports less than 9% is my Cap1 QS).


Question is when to ask for a CLI?   I've heard of some people asking and recieving as soon as their card graduates, others at the 3 or 6 month mark after graduating.   Do I count my time from when I got the card or from when it graduated?


Current FICO8 scores:  EQ - 653, TU - 621, EX - 620.



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Super Contributor

Re: NFCU CLI Request - Timing

I believe its best to go here on the super mega-thread on all about NFCU for CLI's and 2cd cards. I follow it for when i can get my 1st CLI in 2 more statements: 

Homeowner since Sept 2020. My posts are JMHO. My siggy is not to brag. Just sharing my experiences after BK from learning here from rebuild to recovery from the @ 540's.
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