NFCU just applied and have a question

[jlitnns]

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@Anonymous wrote:

Declined for CLI- said I would get the reason in the mail .

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Bummer

[Anonymous]

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@Anonymous wrote:

Declined for CLI- said I would get the reason in the mail .

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Sorry to hear that, but congratulations on the new card and great SL.

No CLI, but a great SL on a new card, go figure. NF seems to have become a very strange duck. 

[FinStar]

Given what I've read recently about NFCU and some of the adjustments in their underwriting methodology, the CLI decline is no surprise. Just be glad they approved you for a new tradeline.

[Anonymous]

Thanks, I just don't get it. Crazy.. but I am happy with the $20,000

[FinStar]

There's been sufficient anecdotal evidence recently that confirms the shift in underwriting to some extent. I decided, based on the advice of pizza1, to forego the CLI this time around given that in September 2017 I was approved with a decent CL on the Go Rewards. Instead of requesting a CLI this past December, and given the mixed CLI results on multiple forums, I opted for the More Rewards AMEX and it was auto approved (higher CL than Go Rewards). Saved the extra HP.

[Anonymous]

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@Anonymous wrote:

rookie08 - Did they deny your CLI or are you still waiting to hear? I sent a message inquiring about it, and about 30 mins later I had an alert they pulled EQ. For the Go Rewards they pulled TU ... so hoping they are still working on the CLI

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Still no word on the CLI. For the CashRewards, they also pulled TU. I don't have any alerts about another pull, so I'm assuming they haven't done anything yet. I did only ask for a $10K limit on that card and my current limit is $2K. When I completed the app for the CLI, it said I could request up to $50K. If I'm not approved for the CLI, I won't be too upset since I have the CashRewards card now. 

[Anonymous]

Thank you for the data points. I've just became a member with NFCU. Just got approved for a checking account, with one bad on chexsystem.