CLI--NFCU

[Anonymous]

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@RadioRob wrote:

Almost everything I've ever applied for at NFCU has been 24 hour review...  in all cases, they've been approvals.  

This includes: auto loan, credit card, CLOC increase, and CC  CLI.

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Thanks RR.....Gives me hope. My last CLI was instant as was my 2nd card....this is the 2nd card CLI attempt...I never had a 24hr review...have a auto loan, instant..15k CLOC, instant, both card were instant...so I am in new territoy here. Thanks for the Data

[Adkins]

I got the 2-3 day message and haven't heard anything back yet. No CLI either. 

[Anonymous]

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@Adkins wrote:

I got the 2-3 day message and haven't heard anything back yet. No CLI either. 

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I have not seen a 2-3 day message???  I got a 2hr review message

[Adkins]

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@Anonymous wrote:

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@Adkins wrote:

I got the 2-3 day message and haven't heard anything back yet. No CLI either. 

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I have not seen a 2-3 day message???  I got a 2hr review message

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I haven't had the card long, and just asked for the maximum CLI on a lark. I expect a denial. 

[Anonymous]

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@Adkins wrote:

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@Anonymous wrote:

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@Adkins wrote:

I got the 2-3 day message and haven't heard anything back yet. No CLI either. 

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I have not seen a 2-3 day message???  I got a 2hr review message

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I haven't had the card long, and just asked for the maximum CLI on a lark. I expect a denial. 

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The message NFCU sent to you said you will hear from them in 2-3 days?

[Adkins]

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@Anonymous wrote:

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@Adkins wrote:

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@Anonymous wrote:

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@Adkins wrote:

I got the 2-3 day message and haven't heard anything back yet. No CLI either. 

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I have not seen a 2-3 day message???  I got a 2hr review message

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I haven't had the card long, and just asked for the maximum CLI on a lark. I expect a denial. 

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The message NFCU sent to you said you will hear from them in 2-3 days?

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Yes. That's the message I got on the screen once I finished my CLI request. 

[Anonymous]

That's a new one on me. They are a great credit union

[Adkins]

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@Anonymous wrote:
That's a new one on me. They are a great credit union

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I've been impressed so far. 😀

[RadioRob]

The loans team (CLOC, auto, personal, etc) is different than CC team. They tend to pull different reports and have different criteria and time frames. Generally speaking the loan teams are faster at processing requests because they have less volume. In many cases in just a few hours.

The CC team can take a few days even though the apps by default have tended to say 24 hours. They might be updating messaging as they’re realizing they can’t keep a consistent 24 hour turnaround.

[Anonymous]

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@Anonymous wrote:

Got a 24 hr review..do they respond via email?

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Secured message...We are sorry to inform you that your request for CLI was denied. Oh, bummer. Well, no biggie, my next course of action will be to let a few days go and re-apply. I have seen several posts with CLI granted days later after Denial..Who knows? NFCU is still my hero.