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NFCU CLI request

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Zig32
Valued Member

NFCU CLI request

Hey Guys,

 

I applied for a 10k increase in my Amex More Rewards card , 12 am Monday . I'm not familiar with the wait time , when can I expect a response ? 

Message 1 of 11
10 REPLIES 10
M_Smart007
Legendary Contributor

Re: NFCU CLI request


@Zig32 wrote:

Hey Guys,

 

I applied for a 10k increase in my Amex More Rewards card , 12 am Monday . I'm not familiar with the wait time , when can I expect a response ? 


Usually if approved you can see it reflected in your available credit limit within 24-48 hours.

Message 2 of 11
pizzadude
Credit Mentor

Re: NFCU CLI request


@M_Smart007 wrote:

@Zig32 wrote:

Hey Guys,

 

I applied for a 10k increase in my Amex More Rewards card , 12 am Monday . I'm not familiar with the wait time , when can I expect a response ? 


Usually if approved you can see it reflected in your available credit limit within 24-48 hours.


Yeap, your new CL will show within a day or two.   If you aren't granted the full 10K increase you'll also get a letter with a reason.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 3 of 11
OmarGB9
Community Leader
Super Contributor

Re: NFCU CLI request

I'd give it another day or two.


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 4 of 11
cashorcharge
Community Leader
Super Contributor

Re: NFCU CLI request

My recent request took just over 24 hours and as others have stated, I noticed it online before they even emailed me to tell me it was approved.

 

You mentioned asking for $10K and lately, DP's show a max CLI of $8K

Message 5 of 11
Zig32
Valued Member

Re: NFCU CLI request

So it looks like I applied early. Spoke to CSR today and she said it goes by 6 billing statements and not 6 months/181 days. I was a little confused by that but I am eligible to apply again tomorrow .

 

Anyone gone through this before?

Message 6 of 11
rostrow416
Established Contributor

Re: NFCU CLI request

I always found 6 calendar months to be accurate.  Whenever I went by the 181 day schedule, I would be declined and upon asking again a week later, it was always approved.

AMEX Gold | Purdue FCU $20,000 | FNBO Evergreen $15,000 | TFCU Plat Visa $15,000 | PenFed Platinum Rewards $15,000 | PenFed Pathfinder $15,000 | Citizen's Bank Cash Back+ $15,000 | Synchrony Premier MC $10,000 | SG Visa $10,000 | NFCU MoreRewards $7,000 | NFCU cashRewards $17,000 | Discover IT $6,000 | Capital One BuyPower $950 | AMEX BCP $5,000 | AMEX Amazon Prime Business $3,000

B&H Payboo Card $15,000 | Amazon Prime Card $10,000 | PC Richard Card $15,000 | Target RedCard $2,000 | Walmart Store Card $1,400 | Shell Gas Card $1,200 | Overstock Store Card $7,000 | Kohl's Store Card $3,000


Spring Cleaning:
C̶a̶p̶i̶t̶a̶l̶ ̶O̶n̶e̶ ̶Q̶u̶i̶c̶k̶S̶i̶l̶v̶e̶r̶ ̶$̶1̶,̶0̶0̶0̶ | C̶r̶e̶d̶i̶t̶ ̶O̶n̶e̶ ̶V̶i̶s̶a̶ ̶$̶1̶,̶2̶0̶0̶ | M̶e̶r̶r̶i̶c̶k̶ ̶B̶a̶n̶k̶ ̶$̶2̶,̶7̶0̶0̶ | M̶a̶r̶v̶e̶l̶ ̶M̶a̶s̶t̶e̶r̶c̶a̶r̶d̶ ̶$̶1̶,̶̶2̶0̶0̶ | C̶o̶m̶e̶n̶i̶t̶y̶ ̶M̶a̶s̶t̶e̶r̶C̶a̶r̶d̶ ̶$̶1̶,̶1̶8̶0̶
Message 7 of 11
greatscott85
Frequent Contributor

Re: NFCU CLI request

I asked the next day haha! Was about 3 days early on my last cli, got the secure message about it. Reapplied the next day, got the 8k.

Message 8 of 11
Zig32
Valued Member

Re: NFCU CLI request

I asked for 10k and they gave me 6 . Would I be able to recon that ? 

Message 9 of 11
OmarGB9
Community Leader
Super Contributor

Re: NFCU CLI request


@Zig32 wrote:

I asked for 10k and they gave me 6 . Would I be able to recon that ? 


Probably not. Even if they reconsidered, the max they'll give is $8k. But you can always try and ask via secure message.


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 10 of 11
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