NFCU is no longer Hard Pull Happy?

[Anonymous]

NFCU's maximum unsecured limit is basically the equivalent of Disco's insufficient experience. It just means "not right now" instead of "no more ever." Unless you have hit $80K in total credit card limits and $15K on CLOC, you're not maxed and it's a matter of profile changes or just simply time. 

[mrfufoppss]

I was told By A Nfcu rep today that all card accounts that are 12 months old or more CLI will Be SoftPulls accounts under 12 months CLI Can Result with a Hp if its (Manual) my Flagship is past 91/3 and my cli was denied by Sp im assuming to actually get one i would have to call in and have a manual cli done?

[Anonymous]

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@mrfufoppss wrote:
I was told By A Nfcu rep today that all card accounts that are 12 months old or more CLI will Be SoftPulls accounts under 12 months CLI Can Result with a Hp if its (Manual) my Flagship is past 91/3 and my cli was denied by Sp im assuming to actually get one i would have to call in and have a manual cli done?

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As much as I love Navy, their CSRs are just as clueless as at any other financial institution or company. If you got a CLI denial, wait for the letter. 

[spiritcraft1]

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@mrfufoppss wrote:
I was told By A Nfcu rep today that all card accounts that are 12 months old or more CLI will Be SoftPulls accounts under 12 months CLI Can Result with a Hp if its (Manual) my Flagship is past 91/3 and my cli was denied by Sp im assuming to actually get one i would have to call in and have a manual cli done?

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They seem to like to talk and act as though they know the "rules" but don't always have a grasp of the actual facts.  My Wife just got a SP CLI on a 3 month old Flagship for instance.

[Anonymous]

Opened My NFCU Flagship in March 2018 at 10K.   Received a 10K HP CLI 3 months later.  On January 10th I asked for a 15K increase to bring the card to 35K.  The next morning I saw I received an 8K increase with a SP.  My EQ Fico 9 score is 799. Wasn't exactly what I hoped for but any SP increase is a good one!

[AllZero]

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@Anonymous wrote:

Opened My NFCU Flagship in March 2018 at 10K.   Received a 10K HP CLI 3 months later.  On January 10th I asked for a 15K increase to bring the card to 35K.  The next morning I saw I received an 8K increase with a SP.  My EQ Fico 9 score is 799. Wasn't exactly what I hoped for but any SP increase is a good one!

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Congratulations on your SP CLI!

[Anonymous]

This thread prompted me to hit the button on my 4 month old Platinum and see what happened - 

SP CLI - $25k--->$31k

[AllZero]

^ Congratulations on your CLI! Glad to read SP still in force.

[Anonymous]

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@Anonymous wrote:

This thread prompted me to hit the button on my 4 month old Platinum and see what happened - 

SP CLI - $25k--->$31k

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Nice, congrats on your increase! The NFCU SP train is still rolling along in 2020. 

[dogmeat]

Jan 17 NFCU Cash Rewards CLI 20k -> 25k SP.