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NFCU denied my CLI after approving me for my 2nd card

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ericccccc
New Member

NFCU denied my CLI after approving me for my 2nd card

NFCU denied my CLI on the Go rewards($500) after approving me for $20000 for the more rewards card...

So now I have a card with $500 and another card with $20000 from the same bank

The limit cannot even be relocate between accounts.

What could have caused this?

Message 1 of 9
8 REPLIES 8
Caesar89
Established Member

Re: NFCU denied my CLI after approving me for my 2nd card

This is the same thing that happened to me. I was denied CLI as they stated, I reached my max but got approved for a 2nd card. Not really sure why NFCU does this. 

What are your scores and did you put income the same for both applications?

Message 2 of 9
Gunnerboy
Frequent Contributor

Re: NFCU denied my CLI after approving me for my 2nd card


@ericccccc wrote:

NFCU denied my CLI on the Go rewards($500) after approving me for $20000 for the more rewards card...

So now I have a card with $500 and another card with $20000 from the same bank

The limit cannot even be relocate between accounts.

What could have caused this?


It's likely, you're at your maximum exposure for unsecured credit.  Your maximum should increase over time.



"Not everyone who helps you is a friend, and not everyone who challenges you is an enemy."
Message 3 of 9
ericccccc
New Member

Re: NFCU denied my CLI after approving me for my 2nd card


@Caesar89 wrote:

This is the same thing that happened to me. I was denied CLI as they stated, I reached my max but got approved for a 2nd card. Not really sure why NFCU does this. 

What are your scores and did you put income the same for both applications?


My fico scores are around 750, and my income is the same on both applications.
It would be nice if they could move some from my second card to my first one, but it seems they do not allow relocation from American Express to Visa/Mastercard. 

Message 4 of 9
FinStar
Moderator Emeritus

Re: NFCU denied my CLI after approving me for my 2nd card


@ericccccc wrote:

@Caesar89 wrote:

This is the same thing that happened to me. I was denied CLI as they stated, I reached my max but got approved for a 2nd card. Not really sure why NFCU does this. 

What are your scores and did you put income the same for both applications?


My fico scores are around 750, and my income is the same on both applications.
It would be nice if they could move some from my second card to my first one, but it seems they do not allow relocation from American Express to Visa/Mastercard. 


Reallocations are done on a case-by-case basis, especially if they involve a balance transfer. How old is your first CC with NFCU? What was your credit profile like during that first approval?

Message 5 of 9
Jeffster1
Established Contributor

Re: NFCU denied my CLI after approving me for my 2nd card

IMHO, you should have either applied for the new card or the CLI. If they allocated the max they are willing to extend to you currently with the new card, a back-to-back CLI request was not likely to yield much, if anything.

.

FICO 8 (1/17/23) EX 720 EQ 717 TU 730
FICO 9 (1/17/23) EX 730 EQ 764 TU 750
CH 13 DC 1/5/21 -- I practice AZEO - NEVER above 1% utilization across all cards.

Current lineup as of 12/22
American Express Gold | American Express Blue Cash Everyday 6K | American Express Marriott Bonvoy Bevy 5K I American Express Hilton Honors 1K | Bank of America Customized Cash Rewards Visa 15K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One Quicksilver MC 3K | Capital One Walmart MC 2K | NFCU Amex 10.5K | Bread Financial American Express 7K | Upgrade Cash Rewards Visa 4K l AAA Daily Advantage Visa Signature 5K I Wells Fargo BILT World Elite MC 30K I UCLA Wescom CU Rewards Visa 7K
Message 6 of 9
SUPERSQUID
Valued Contributor

Re: NFCU denied my CLI after approving me for my 2nd card


@Jeffster1 wrote:

IMHO, you should have either applied for the new card or the CLI. If they allocated the max they are willing to extend to you currently with the new card, a back-to-back CLI request was not likely to yield much, if anything.

.


I'm not sure if it might help. In april when my cash rewards 3700 cl was due for my first cli , i first applied for the platimum and was approved for only 1000, then right after i asked for a cli on my cash rewards and they raised it to 9700, a 6000 increase.

So in that case they approved a new card for only 1000 and then a few hours later approved a 6000 cli on the first card.

Both letters said max limit so i have a funny feeling they keep approvals and cli requests in different baskets. otherwise how could my max limit go up by 6000 in a few hours?

{ BK7 DC 12/2019 } target 1300/ kohls 3000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 2500 /first savings bank cc 2500/ cap1 QS 5000/ cap 1 savor one 3100 /comenity rewards mc 3k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 15700/bread cashback amex 8000

>/ nfcu platinum 3k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 39k
Total utilization 11 - 14 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 80k
Retired since 2017
Message 7 of 9
OmarGB9
Community Leader
Super Contributor

Re: NFCU denied my CLI after approving me for my 2nd card

Sounds like they gave you the max credit they're willing to give right now on the new card. Reallocation *may* be possible if doing a BT, though I don't know the exact rules about card ages.


Last App: 9/22/2022
American Express Platinum Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 8 of 9
SUPERSQUID
Valued Contributor

Re: NFCU denied my CLI after approving me for my 2nd card


@ericccccc wrote:

NFCU denied my CLI on the Go rewards($500) after approving me for $20000 for the more rewards card...

So now I have a card with $500 and another card with $20000 from the same bank

The limit cannot even be relocate between accounts.

What could have caused this?


AAARRRGHHHH THE LANDLUBBER RESPONSIBLE FOR THIS DEBACKLE SHOULD BE HUNG FROM THE YARD ARMAAARRRGHHHH THE LANDLUBBER RESPONSIBLE FOR THIS DEBACKLE SHOULD BE HUNG FROM THE YARD ARM

{ BK7 DC 12/2019 } target 1300/ kohls 3000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 2500 /first savings bank cc 2500/ cap1 QS 5000/ cap 1 savor one 3100 /comenity rewards mc 3k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 15700/bread cashback amex 8000

>/ nfcu platinum 3k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 39k
Total utilization 11 - 14 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 80k
Retired since 2017
Message 9 of 9
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