Re: NFCU CLI - 24hr Message - myFICO® Forums

Anonymous · ‎05-11-2018

I am 93/3 and decided to pull the trigger for a CLI on my cashRewards card. Asked for $25,000 since the prevailing advice is that magic number. Got an instant 24 hour review message. This morning there’s a HP on EQ. I’m not feeling real good about this. My EQ8 is 692, EQ9 717, 6-figure income. Has NFCU tightened up a bit too much?

Anonymous · ‎05-11-2018

@Anonymous wrote:
I am 93/3 and decided to pull the trigger for a CLI on my cashRewards card. Asked for $25,000 since the prevailing advice is that magic number. Got an instant 24 hour review message. This morning there’s a HP on EQ. I’m not feeling real good about this. My EQ8 is 692, EQ9 717, 6-figure income. Has NFCU tightened up a bit too much?

That would depend on your DTI, they rely on that heavily. If you dont get it, they wont say anything. you will have to ask. if you get it, they wont say anything you'll just see it on your acct. With those stats (dont know your credit goals) you could just app another card and get a good SL. I've never had a CLI better than what i got as an SL.

Anonymous · ‎05-11-2018

My util is 1% and DTI is less than 10%.

stonedog23 · ‎05-11-2018

I was always taught that you should wait until you get the increase first, then apply for the second card.

NFCU GoRewards Sig ($40,000), NFCU Cash Rewards ($40,000), PenFed Power Cash ($25,000), FNBO Evergreen Visa ($20,000), Bread Financial Rewards Amex ($21,150), PNC Cash Rewards ($18,400), PNC Cashbuilder ($18,700) , One Key Mastercard ($14,000), Citi Double Cash ($11,600), US Bank Cash Plus($10,000), Discover It Cash ($9000), Capital One Quicksilver MC ($9000), TD Cash ($8000), Bank of America. Unlimited Cash Rewards ($7500), Fifth Third Unlimited Cash Back Mastercard ($7500), Wells Fargo Active Cash Sig($7000), Apple Card ($6000), Amex BCE($6000), Amex ED($6600), X1 Card ($5000), PNC Points ($8000), Amex Cash Magnet($2000), Fifth Third Truly Simple ($4000), Truist Spectrum Cash Rewards($4500), Truist Bright Card($4500), CapOne Quicksilver(Bucketed @$1500 manually lowered to $500), US Bank Cash+ ($1,000), WF mortgage 195K Fico 8: EQ 778, TU 765, EX 758 FICO 9:EQ 829, TU 812, EX 791, AAoA-97 months, AoOA-28 years

Anonymous · ‎05-11-2018

@stonedog23 wrote:
I was always taught that you should wait until you get the increase first, then apply for the second card.

Last year, i would have said yes to that, but it seems like CLI"s are going 6 months for most, but new cards are still 91/3 from previous card.

stonedog23 · ‎05-12-2018

I was fortunate then. March 15 was my 91/3, got the increase, applied for the new card 3 minutes later.

NFCU GoRewards Sig ($40,000), NFCU Cash Rewards ($40,000), PenFed Power Cash ($25,000), FNBO Evergreen Visa ($20,000), Bread Financial Rewards Amex ($21,150), PNC Cash Rewards ($18,400), PNC Cashbuilder ($18,700) , One Key Mastercard ($14,000), Citi Double Cash ($11,600), US Bank Cash Plus($10,000), Discover It Cash ($9000), Capital One Quicksilver MC ($9000), TD Cash ($8000), Bank of America. Unlimited Cash Rewards ($7500), Fifth Third Unlimited Cash Back Mastercard ($7500), Wells Fargo Active Cash Sig($7000), Apple Card ($6000), Amex BCE($6000), Amex ED($6600), X1 Card ($5000), PNC Points ($8000), Amex Cash Magnet($2000), Fifth Third Truly Simple ($4000), Truist Spectrum Cash Rewards($4500), Truist Bright Card($4500), CapOne Quicksilver(Bucketed @$1500 manually lowered to $500), US Bank Cash+ ($1,000), WF mortgage 195K Fico 8: EQ 778, TU 765, EX 758 FICO 9:EQ 829, TU 812, EX 791, AAoA-97 months, AoOA-28 years

AverageJoesCredit · ‎05-12-2018

Look to the approval thread , a 24 hr review turned into a cli for a poster who just got approved for a cc . It can happen

NFCU CLI - 24hr Message

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NFCU CLI - 24hr Message

Re: NFCU CLI - 24hr Message

Re: NFCU CLI - 24hr Message

Re: NFCU CLI - 24hr Message

Re: NFCU CLI - 24hr Message

Re: NFCU CLI - 24hr Message

Re: NFCU CLI - 24hr Message

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