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NFCU is no longer Hard Pull Happy?

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Super Contributor

Re: NFCU is no longer Hard Pull Happy?

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. 



01/2019:
03/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 81 of 157
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Regular Contributor

Re: NFCU is no longer Hard Pull Happy?

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?
Message 82 of 157
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Super Contributor

Re: NFCU is no longer Hard Pull Happy?


@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?

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. 



01/2019:
03/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 83 of 157
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Established Contributor

Re: NFCU is no longer Hard Pull Happy?


@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?

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.




Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = Very Low 400's
8-1-18 -
12-24-18 -
12-1-19 -

Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, FuelMan .8K, Citi Tractor Supply Rev .8k, Builder Pro 5.4K, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k - All No PG | AMEX Biz Gold NPSL
Message 84 of 157
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Valued Member

Re: NFCU is no longer Hard Pull Happy?

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!

Hi ho hi ho its off to the garden I go!!!!
FICO8- 3/30/2020 TU- 776, EQ- 777, EX- 778
Chase Disney Premier Visa $25,000 - Cap1 Venture $19,500 - Cap1 Venture (2) $ 24,000 - BofA Premier Rewards $72,500 - Discover IT $33,500 - PenFed Power Cash $50,000 - Citibank Simplicity $23,600 - Citibank Costco Anywhere Visa $18,500 - Wells Fargo Cash Wise $6,000 - Discover IT $19.900 - US Bank Cash + $3,000 - NFCU Platinum Visa $25,000 - Chase Amazon Prime $3,000 - NFCU Flagship Rewards Visa $28,000 - Station Casino Visa $15,000
Total Credit Lines = $366,500
Message 85 of 157
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Super Contributor

Re: NFCU is no longer Hard Pull Happy?


@vegasJohn 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!


Congratulations on your SP CLI!

Message 86 of 157
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Valued Contributor

Re: NFCU is no longer Hard Pull Happy?

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

 

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

Ch 7 Discharge May 2015
Discover/Target/NFCU CLOC/NFCU Cash Rewards/NFCU Platinum/PenFed Power Cash Rewards/PenFed Pathfinder AMEX/Citi Costco Visa/CapitalOne SavorOne - $142k total revolving
Message 87 of 157
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Super Contributor

Re: NFCU is no longer Hard Pull Happy?

^ Congratulations on your CLI! Glad to read SP still in force.
Message 88 of 157
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Senior Contributor

Re: NFCU is no longer Hard Pull Happy?


@SteelerNYC wrote:

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

 

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


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

Currently: Gardening since 12/19




Message 89 of 157
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Established Member

Re: NFCU is no longer Hard Pull Happy?

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

 

Message 90 of 157
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