Confused about NFCU SP CLI timeline

[Anonymous]

Hey guys,

Today I hit 3 statements on my $3,700 GW card. I was hoping to hit the luv button and ask for the full 25k. My util went from 89% when approved to less than 30%, so I'm hoping to get approved without recon.

I noticed some users talk about getting CLIs with SP and some with HP. Is there a certain time I should be applying to avoid the HP? I really don't want another HP if I don't have too. However, since this is really the last "quality" card I want, I don't mind the HP as I'll be in the garden for a long time after approval.

I can check my Reports, when should I expect a SP from NFCU? Is it around the same time for all members, or is it related to the statement date?

Thanks

[Aduke1122]

You have to have atleast 3 statements and over 90 days , it must be your first CLI request bc after you get the first you have to wait 6 mths between , and there needs to be a fresh AR , the next AR is May 1st so you would want to wait until after May 1st for SP CLI chance

[Anonymous]

Sounds good, I'll have more paid down by then anyways! Hopefully it's reported by then, if not I'll wait.

[Aduke1122]

Good luck to you

[Anonymous]

Hi, I got a question for you too regarding the soft AR pulls.  Do you ask for the CLI on CC first then once approved go back in and ask for the CLOC increase? 

[Anonymous]

Does NFCU counter offer?

[Aduke1122]

Yes they will if you don't get approved for the max limit they will counter

[oldman425]

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@Anonymous wrote:

Does NFCU counter offer?

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Sure thing, I hit max and received $13K.

[Anonymous]

FYI poster today was my 91 day mark and I have 3 statements cut and hit the love button. Went from 2k to 15k instantly... if they are going to approve you they will I don't think you need to wait for a new ar.

[Aduke1122]

Yes it's very YMMV