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How soon after 3rd statement cuts on nfcu cards

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SUPERSQUID
Valued Contributor

How soon after 3rd statement cuts on nfcu cards

Yesterday was my 3rd full statement cut on my cash rewards. my first statement was partial so today i'm at 105 days.

i want to app for the platinum and then ask for a cli on my cash rewards. i don't want to pull the trigger too soon. i can see my 3rd full statement already on the nfcu site.

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 5800 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4650, Penfed PCR signature visa 10k/ penfed gold 5600 /NFCU signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 55k
Total utilization above 50 pct.
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017
Message 1 of 5
4 REPLIES 4
thornback
Senior Contributor

Re: How soon after 3rd statement cuts on nfcu cards

It's 91 days and 3 statements so, you should be fine.  I was in the same situation with my first card and app'd at 108 days and 3.5 statements (1 day after the 3rd full statement) - all good. 

 

Good luck.

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"
Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA:
4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:  


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 2 of 5
SUPERSQUID
Valued Contributor

Re: How soon after 3rd statement cuts on nfcu cards


@thornback wrote:

It's 91 days and 3 statements so, you should be fine.  I was in the same situation with my first card and app'd at 108 days and 3.5 statements (1 day after the 3rd full statement) - all good. 

 

Good luck.


Thanks, doing it on the weekend is ok?

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 5800 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4650, Penfed PCR signature visa 10k/ penfed gold 5600 /NFCU signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 55k
Total utilization above 50 pct.
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017
Message 3 of 5
thornback
Senior Contributor

Re: How soon after 3rd statement cuts on nfcu cards

Yes, nfcu runs a 24/7 op.  Keep in mind though that CLI requests online are not instant - it will go under review so don't panic.  24 hour turnaround time - it can be anywhere from 30 mins to the full 24 hrs to get results.  If approved, you'll see it reflected in your Available Credit first - but your listed Credit Limit will remain unchanged til the system updates overnight. You'll get an email a day or two later.  So just check your account every few hours.. 

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"
Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA:
4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:  


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 4 of 5
FinStar
Moderator Emeritus

Re: How soon after 3rd statement cuts on nfcu cards

As the OP has created a separate thread in Approvals, this thread is now locked and closed to new messages.

 

@SUPERSQUID- please be mindful of cross-posting and the TOS. There was already an active post/question here with the same topic less than a few days ago. Thanks.

Message 5 of 5
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