NFCU is no longer Hard Pull Happy?

[Anonymous]

Thanks!

[Anonymous]

I received an email this morning for my 3rd card. I was approved.

NFCU Flagship - $15,000 SL (Requested $25,000; approved for $19,000; no balance)

[mchang124]

I'll share a DP:

applied and approved for the more rewards Amex back in November. Hit my 91/3 two weeks ago. I had a SL of $15k, requested $30k, i was giving a $4k increase so a total of $19k for that card. No HP for this request.

Right after my requested CLI for the more rewards card, i had applied for the Flagship Rewards same day. Instant approval of $15k SL @ 16.99% APR. TU was pulled for this card at time of application. My FICO 8 was 679 with 10 inq's. 

My secured nRewards had graduated to a Cash Rewards unsecured card. Went from $200 to $2k CL. Didnt realize that was considered a CLI until after i had dug a bit more into the forums and had requested a CLI shortly after graduation. I received an email from NFCU that the request for a CLI was declined due to recent graduation. No HP for the CLI increase request.

FICO 9 EQ from NFCU website: 643 11 INQ's

EX FICO 8 671 from Experian app 10 INQ's

[M_Smart007]

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@Anonymous wrote:

I received an email this morning for my 3rd card. I was approved.

NFCU Flagship - $15,000 SL (Requested $25,000; approved for $19,000; no balance)

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Congratulations!

[M_Smart007]

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@mchang124 wrote:

I'll share a DP:

applied and approved for the more rewards Amex back in November. Hit my 91/3 two weeks ago. I had a SL of $15k, requested $30k, i was giving a $4k increase so a total of $19k for that card. No HP for this request.

Right after my requested CLI for the more rewards card, i had applied for the Flagship Rewards same day. Instant approval of $15k SL @ 16.99% APR. TU was pulled for this card at time of application. My FICO 8 was 679 with 10 inq's. 

My secured nRewards had graduated to a Cash Rewards unsecured card. Went from $200 to $2k CL. Didnt realize that was considered a CLI until after i had dug a bit more into the forums and had requested a CLI shortly after graduation. I received an email from NFCU that the request for a CLI was declined due to recent graduation. No HP for the CLI increase request.

FICO 9 EQ from NFCU website: 643 11 INQ's

EX FICO 8 671 from Experian app 10 INQ's

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Thank you form the DP's and Congrats

[bloccoblu]

Congratulations on your increases and new card. Was the 2nd navy card a hard or soft pull? I plan on applying for my second when the new sign up bonuses are available and was just curious. I thought soft pulls were for CLI only. Thanks 

[mchang124]

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@bloccoblu wrote:

Congratulations on your increases and new card. Was the 2nd navy card a hard or soft pull? I plan on applying for my second when the new sign up bonuses are available and was just curious. I thought soft pulls were for CLI only. Thanks 

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Every time you apply for a new card (you can have 3 cards max) its a HP. For the nRewards secured and More Rewards EQ is pulled. The flagship rewards they pull TU. Just remember to be mindful of the 91/3 rule for new applications and CLI requests.

NFCU prefers 6 months between CLI (many data points show this), i was lucky enough i got one after my 91/3 for my More Rewards card. 

as of right now, CLI requests are still SP.