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Since joining them 6 years ago, my Checking LOC has remained at the $500 intital limit. Not sure if they do auto CLI, but I recall reading you have to initiate the request. What credit bureau do they use for this? I know the CC increase is EQ, but with NFCU every department is different. I mostly want to use the increase for credit ratio reporting. The extra bump is always nice. I ve never been late with NFCU payment on loans, cc, or LOC. Yet, theyve only ever given me 1 CLI. Weird! Thoughts? Advice?