BATTEN DOWN THE HATCHES TIME at NAVY FEDERAL!

[Marz2002]

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@AllZero wrote:

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@Marz2002 wrote:

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@AllZero wrote:

Thanks for sharing the data points. When was the last time for CLI on that card? Has it been 6 months or more? Age of account?

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@AllZero , Card was approved on December 16, 2019, so today was my 1st opportunity for a CLI.  Normally, I have received a CLI from NFCU at 91/3.  Which this card qualifies for.  The didn't decline the CLI, they just required an HP to make a decision. 

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There was an approval this morning of SP CLI at 91/3. Hmm..maybe they are tightening up?

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/NFCU-91-day-CLI/td-p/5953842

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@AllZero, SFLSpotter9210  is a friend of mine, so I knew about his approval this morning before he announced it on the FORUMS.  We were approved for the More Rewards card at the same time in December (mine 1st, then his next day).  My CLI app was right after Lunch today.  Side note, when I apped this afternoon (2:30pm CDT), the Lending Staff had already gone home for the day! 

[AllZero]

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@Marz2002 wrote:

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@AllZero wrote:

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@Marz2002 wrote:

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@AllZero wrote:

Thanks for sharing the data points. When was the last time for CLI on that card? Has it been 6 months or more? Age of account?

---

@AllZero , Card was approved on December 16, 2019, so today was my 1st opportunity for a CLI.  Normally, I have received a CLI from NFCU at 91/3.  Which this card qualifies for.  The didn't decline the CLI, they just required an HP to make a decision. 

---

There was an approval this morning of SP CLI at 91/3. Hmm..maybe they are tightening up?

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/NFCU-91-day-CLI/td-p/5953842

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@AllZero, SFLSpotter9210  is a friend of mine, so I knew about his approval this morning before he announced it on the FORUMS.  We were approved for the More Rewards card at the same time in December (mine 1st, then his next day).  My CLI app was right after Lunch today.  Side note, when I apped this afternoon (2:30pm CDT), the Lending Staff had already gone home for the day! 

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Yes, I was looking at his open date and yours, both relatively the same time.

Did you incur a hard pull immediately?

If you did, at least I hope you are able to get a great increase.

If not, I hope you'll get a SP CLI and hope the SP CLI gravy train is still on track.

Good luck my friend.

[Traveler101]

Wishing you all the luck, fingers crossed for ya!

[M_Smart007]

@Marz2002..Sorry Thank you for sharing.

[AverageJoesCredit]

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@Marz2002 wrote:

I just went on line this afternoon to request a CLI for my More Rewards card and received the HP message.   Then, I decided to start an online CHAT.  Chat Rep confirmed the HP requirement  - I have a copy of the Chat.

So, I CANCELLED my online CLI request and called NFCU on the phone.  Phone Ref confirmed an HP is required for a CLI.   That's 3 separate instances of the HP verification! 

I don't think the Financial markets are going to get better anytime soon.  So, I went ahead and accepted the HP CLI requirement and made my request over the phone.  Rep came back with the 48 Hour message! 

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Thanks @Marz2002  for taking one for our team hope you get it! Stay safe my friend, and to your family as well🙏

[Marz2002]

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@AllZero wrote:

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@Marz2002 wrote:

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@AllZero wrote:

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@Marz2002 wrote:

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@AllZero wrote:

Thanks for sharing the data points. When was the last time for CLI on that card? Has it been 6 months or more? Age of account?

---

@AllZero , Card was approved on December 16, 2019, so today was my 1st opportunity for a CLI.  Normally, I have received a CLI from NFCU at 91/3.  Which this card qualifies for.  The didn't decline the CLI, they just required an HP to make a decision. 

---

There was an approval this morning of SP CLI at 91/3. Hmm..maybe they are tightening up?

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/NFCU-91-day-CLI/td-p/5953842

---

@AllZero, SFLSpotter9210  is a friend of mine, so I knew about his approval this morning before he announced it on the FORUMS.  We were approved for the More Rewards card at the same time in December (mine 1st, then his next day).  My CLI app was right after Lunch today.  Side note, when I apped this afternoon (2:30pm CDT), the Lending Staff had already gone home for the day! 

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Yes, I was looking at his open date and yours, both relatively the same time.

Did you incur a hard pull immediately?

If you did, at least I hope you are able to get a great increase.

If not, I hope you'll get a SP CLI and hope the SP CLI gravy train is still on track.

Good luck my friend.

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@AllZero , as of right now, I don't have any alerts for the CLI HP.  Thanks for the encouragement my friend!

BTW, I asked the Phone Rep taking my CLI request which CRA they were pulling my credit from and she said EQ.  So, I pointed out that NFCU furnishes a Fresh EQ FICO score on my online account every month and why would they need do an HP on EQ.  She responded that NFCU needs 'up to the minute' CRA information for CLIs at this time.  

[Marz2002]

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@Traveler101 wrote:

Wishing you all the luck, fingers crossed for ya!

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Many Thanks @Traveler101 - Always good to hear from you my friend!

[blindambition]

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@Marz2002 wrote:

I just went on line this afternoon to request a CLI for my More Rewards card and received the HP message.   Then, I decided to start an online CHAT.  Chat Rep confirmed the HP requirement  - I have a copy of the Chat.

So, I CANCELLED my online CLI request and called NFCU on the phone.  Phone Ref confirmed an HP is required for a CLI.   That's 3 separate instances of the HP verification! 

I don't think the Financial markets are going to get better anytime soon.  So, I went ahead and accepted the HP CLI requirement and made my request over the phone.  Rep came back with the 48 Hour message! 

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Thanks for sharing Marzy! This really bites.

Hang on kids... This ride is gonna get bumpy!!

[M_Smart007]

"  She responded that NFCU needs 'up to the minute' CRA information for CLIs at this time.  "

hmmmm ..sounds like Navy is using some caution.

[Marz2002]

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@M_Smart007 wrote:

@Marz2002..Sorry Thank you for sharing.

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You're Welcome @M_Smart007 - we all (NFCU folks) have had our fingers crossed for several months hoping that the SP CLI opportunity would last a long time.  But, it looks like the NFCU SP CLI Party is OVER!