I think the whole NFCU AR CLI SP is an internet folklore pipedream

[bourgogne]

Good morning!  I talked to a csr today and she said nfcu likes card accounts to be open for 6+ months and that a cli will always result in an hp.  I of course told her what I have heard and she said that is fine but this is the standard policy.  Pretty much what penfed has said to me in the past.  3rd statement just posted on the 15th, I am over 90 days from having the account open, always pif and have pumped some $ through the card, maybe $15K in 2 statements.  Last statement was 0.  AR on 11/1 @ EQ

I am going into deep credit hibernation for a year except for a few clis but no new credit unless chase csr part 2 comes out or something very special happens in the credit world. 

Anyway I took the max option, hit the return key and it went to 24 hours.  I called and talked to someone in the card area and told them I wanted to cancel the cli request and not have an hp – csr went offline for ~1min, came back and said it was done.

What transpired would suggest part of the scenario that I have heard of works – that assuming there is not a phone outage or long wait that it is in fact possible to cancel the request – this if fantastic but I can also see it just as easily not working for various reasons.  I read about all the ymmv caveats with this cli but honestly to me it really seems like more of rolling the dice in vegas vs getting a card offer from cap1 or a pre-approval from chase in a branch.  It does not feel like a solid method by any means.  Then again if I got an approval it would have been a solid method lol – welcome to fun times in credit

[Anonymous]

I think the amount of people that get a SP CLI after AR definitely shows that it is not a myth. I went from 2.6K to 20K after 3 statements and an AR with no HP. Looking at what you already have, I'm thinking that in your case perhaps that 25K is already the max they are willing to give for your particular profile at this time. 

[bourgogne]

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@Anonymous wrote:

I think the amount of people that get a SP CLI after AR definitely shows that it is not a myth. I went from 2.6K to 20K after 3 statements and an AR with no HP. Looking at what you already have, I'm thinking that in your case perhaps that 25K is already the max they are willing to give for your particular profile at this time. 

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Maybe but if that was the case they could have shot back with a $ 100 increase or something.  Everyone has a different tolerance in dealing with random and for me I like solid stuff vs this type of thing, that’s all.  This sort of task really makes cap1 shine imo, I know many don’t like them but for cli’s they stand apart.  Thought a little nfcu would make my year in the garden a happier place but I will have to do without. not a huge deal, I have had a good year in the credit area.  have a good weekend

[trant3]

I see you're current limit is $25k. I might be wrong but any CLI request over $25k will result in manual review (HP)

[bourgogne]

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@trant3 wrote:

I see you're current limit is $25k. I might be wrong but any CLI request over $25k will result in manual review (HP)

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I think you are right, I did not catch that.  it's fine, I am really focused on getting more juice on my penfed next year, different situation as I know a lending mgr there now so it will be a sp if its an option at all.  thx for the reply

[creditguy]

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@trant3 wrote:

I see you're current limit is $25k. I might be wrong but any CLI request over $25k will result in manual review (HP)

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You are correct. 

[Anonymous]

I tried for a CLI before the soft pull and was put into review for a hard pull. I cancelled the request. Waited until a day or so after the soft pull, received an instant SP increase from 5k to 22k. My husband had the same exact experience. I definitely think the original thread regarding AR and SP had good advice. Although, as with everything I like to assume it is a YMMV.

[Anonymous]

I still believe it's 3 statements, minimum 90 days THEN an AR....
I went from 5k to 22k.
Starting tu was 622
EQ at time of 11/1 AR was 672 or 676.

I put about 8 K through, and never PIF, always left 200-300 on this card.
All other cards were 0 at reporting.

[bourgogne]

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@Anonymous wrote:
I still believe it's 3 statements, minimum 90 days THEN an AR....
I went from 5k to 22k.
Starting tu was 622
EQ at time of 11/1 AR was 672 or 676.

I put about 8 K through, and never PIF, always left 200-300 on this card.
All other cards were 0 at reporting.

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good grief, so I overlooked '3 statements, minimum 90 days THEN an AR' and also anything north of $25K will go to a manual review.  guess I need to slow down and research the topic next time before I pull the trigger.  thanks for this, really great

[Anonymous]

It's not set in stone... just what I believe.