NFCU CLI

[Jammo13]

Hello. I have a cashrewards signature visa with a $5000 limit. Right now the balance is 3600 but I have a 2000 dollar payment scheduled tonight and I'm paying another 800 tonight when I get paid, should I wait for the billing cycle to end before I apply for a CLI or can I do it as soon as the payments post? My Equifax FICO9 that they use is 722 and my internal NavyFed score is like 270 (as of last application).

[Anonymalous]

Navy will use the last FICO score they pulled for you, and they can see immediately when you pay down the balance, so I don't think the statement closing date matters. Though your internal score is a bit low, so if the last EQ FICO 9 they pulled was suppressed because you were carrying a high balance at the time it was generated, waiting until they pull a new FICO score next month could conceivably help.

[FireMedic1]

@Jammo13Got his/her CLI here: https://ficoforums.myfico.com/t5/Credit-Card-Applications/Is-it-time-to-request-a-CLI/td-p/6711757