How soon after 3rd statement cuts on nfcu cards

SUPERSQUID · ‎04-10-2022

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.

thornback · ‎04-10-2022

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.

SUPERSQUID · ‎04-10-2022

@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?

thornback · ‎04-10-2022

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.

FinStar · ‎04-10-2022

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.