NFCU Credit Card CLIs

[credit8502020]

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@CH-7-Mission-Accomplished wrote:

My Visa card with them has a 50K limit and I have the 15K checking LOC.   They have never asked for any proof of income.    I think with most credit unions it's just a matter of "it depends."   Maybe it's score based or something else, but they do not seem to be consistent even within the same company in terms of POI.

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@CH-7-Mission-Accomplished Thank you! 

[coldfusion]

I don't ever remember reading about anyone getting hit with a 4506-T or -C request in response to a CLI request.

[Mr_Mojo_Risin]

I haven't heard of anyone being asked for POI or tax documents regarding a CLI, at least not that I remember.

[credit8502020]

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@coldfusion wrote:

I don't ever remember reading about anyone getting hit with a 4506-T or -C request in response to a CLI request.

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Thank you! @coldfusion 

[credit8502020]

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@Mr_Mojo_Risin wrote:

I haven't heard of anyone being asked for POI or tax documents regarding a CLI, at least not that I remember.

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Thank you! @Mr_Mojo_Risin 

[credit8502020]

@Anonymous @coldfusion @Mr_Mojo_Risin 

Hi! Did either of you wait until 6 statements before requesting your 2nd NFCU CLI? I know about the 181 days, but I also wanted to make sure there was a not a statement requirement as well. I want to make sure I don't request my next CLI too soon! Thanks!

[gingerflower]

@credit8502020 

I recently got an auto CLI on my Nfcu Amx Cc $4000 I did not request for it.  But, I gladly accepted the auto CLI 👍

[Anonymous]

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@credit8502020 wrote:

@Anonymous @coldfusion @Mr_Mojo_Risin 

Hi! Did either of you wait until 6 statements before requesting your 2nd NFCU CLI? I know about the 181 days, but I also wanted to make sure there was a not a statement requirement as well. I want to make sure I don't request my next CLI too soon! Thanks!

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Well the Flagship card I mentioned earlier I didn't ask for a credit line increase.  When I got the card Feb 2020 (I believe) I put a load of spend on it.  I probably put at least over 10K of spend on it in the first 6 months or so.   Then one day I get an email saying they were raising my limit.  I guess they loved the way I was using it because I wasn't even thinking of requesting a CLI.   My other two Navy cards Go Rewards and Amex they gave me 25K & 24K right off the top in 2017 & 2018 so I never asked for a CLI on those as I knew I was already at the top end of my CL.   Hope this helps at least a little

[credit8502020]

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@Anonymous wrote:

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@credit8502020 wrote:

@Anonymous @coldfusion @Mr_Mojo_Risin 

Hi! Did either of you wait until 6 statements before requesting your 2nd NFCU CLI? I know about the 181 days, but I also wanted to make sure there was a not a statement requirement as well. I want to make sure I don't request my next CLI too soon! Thanks!

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Well the Flagship card I mentioned earlier I didn't ask for a credit line increase.  When I got the card Feb 2020 (I believe) I put a load of spend on it.  I probably put at least over 10K of spend on it in the first 6 months or so.   Then one day I get an email saying they were raising my limit.  I guess they loved the way I was using it because I wasn't even thinking of requesting a CLI.   My other two Navy cards Go Rewards and Amex they gave me 25K & 24K right off the top in 2017 & 2018 so I never asked for a CLI on those as I knew I was already at the top end of my CL.   Hope this helps at least a little

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@Anonymous Thank you! 

[credit8502020]

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@gingerflower wrote:

@credit8502020 

I recently got an auto CLI on my Nfcu Amx Cc $4000 I did not request for it.  But, I gladly accepted the auto CLI 👍

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@gingerflower Congrats on your CLI!