NFCU CLI

[michaels88369]

I called NFCU after I tried to apply for A CLI on my Nrewards card online and a condition popped up. It said a condition existed on my account and I had to call in to clear it up. I spoke to a young lady and told her I tried online for the cli and it doesn't work. She went over my job, housing, and paychecks and asked what I wanted to request. I told her $25,000 since that's about what NFCU allows on a soft pull inquiry. She input everything and then said it'll take 2 to 3 hours for the response. I again asked that this wouldn't be labeled as a hard inquiry on my report and she says no its a soft inquiry. Them she tells me to call back in a few hours or check on the app. This sounds like a full credit pull to me. What do you think?

[Anonymous]

it's a hard pill. when you get that notice either clear your browsing cookies, use a private browser or just a new one all together. never call when that happens.

[Anonymous]

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Official-NFCU-CLI-Guide/m-p/2101185

[MidnightOwl]

It'll be a hard pull. That's why I just let them do auto increases every 6 months so I won't get dinged. I asked for a cli 1 time online and it was a hard pull.

[michaels88369]

It was a hard pull. I'm on the phone with them now, waiting on a manager to answer. I have the representative recorded saying it was a "soft" pull and no inquiry would show on my reports. It was declined from what the rep just told me. I'll see what the manager says.

[michaels88369]

The manager is going to listen to the recording and listen to where I asked numerous times if it would be a hard or soft pull. He says that if he hears that I asked and she told me soft pull no inquiry he will request the inquiry be removed from my reports. I will receive the letter in the mail on why it was denies. Scores are now low 640's across the board and he says that they usually won't increase a card under 13 months old...

[msbia]

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@michaels88369 wrote:
The manager is going to listen to the recording and listen to where I asked numerous times if it would be a hard or soft pull. He says that if he hears that I asked and she told me soft pull no inquiry he will request the inquiry be removed from my reports. I will receive the letter in the mail on why it was denies. Scores are now low 640's across the board and he says that they usually won't increase a card under 13 months old...

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Well that manager has no clue what he is talking about! See the above referenced thread for details. And I wish you much success having that hp removed! 

[michaels88369]

So your saying that if they say they'll remove it they actually won't?

[Anonymous]

that's not what msbia was meaning. that poster was referring to the manager not knowing because many people get CLIs well before 13 months

[msbia]

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@Anonymous wrote:
that's not what msbia was meaning. that poster was referring to the manager not knowing because many people get CLIs well before 13 months

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Thank you very much Xterror! Exactly. NFCU does a periodic review of your CR usually every 3 months and based off of that there may be a soft pull CLI available to you. So the manager stating no increases before 13 months is factually incorrect. My card started at $12k, three months $18k, six months after that $22k. I have no need to ask for more since I have two cards at that limit and coming up on two years with Navy in April. I hope this helps OP.