NFCU Credit Limit Increase Question

[Anonymous]

Just submitted for a credit increase with NFCU. Was given a message that it takes 24 hours to review. Is this normal? Will this be a hard pull or soft pull?

[Anonymous]

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@Anonymous wrote:
Just submitted for a credit increase with NFCU. Was given a message that it takes 24 hours to review. Is this normal? Will this be a hard pull or soft pull?

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Wish I could tell you for sure but I just submitted for a CLI last night on my Go Rewards and they hard pulled Equifax this morning.  No results yet. A green bordered screen popped up last night and said something about a reviiew but went away fast so I don't know if it's 24 hours or several days.  I did chat with them a week or so ago and the re said all apps and CLI's are hard pulls HOWEVER other more experienced forum members have indicated they do use soft pulls sometimes.

After saying all the above I guess I just don't really know.  I only know what they said and did to me but good luck to you.  BTW my initial CC app went to review for a day or two. It wasn't instant.

[Scupra]

When the request goes for further review it is 99.9% HP. The 24 hour message is standard Good luck!

[Anonymous]

I got my credit increase instantly.  Did you wait the 91 days after your account opened?  Did you put a lot of money through the card? 

[Anonymous]

Today was 91 days I believe. Didn't put a lot thru it. It's been consistently under 30% utilization.

[Anonymous]

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@Anonymous wrote:

I got my credit increase instantly.  Did you wait the 91 days after your account opened?  Did you put a lot of money through the card? 

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I put about 2k thru my GoRewards 2900SL...And used about 2500 from my CLOC 15k.....both PIF....My 91 days-3 statement is due August 17.....I ought to get some nice CLI....HOPING