Navy CLI

[Anonymous]

Hi all,

Today I applied for a CLI on my flagship and it was approved (from 17k-20k). I only asked for 3k more because I didnt think I would get approve for any more. But during a chat with someone from the credit card department, she noted that the computer suggested more but she wasnt allowed to tell me how much. Am I screwed? Arhhhhh I miss the max button so bad . I sent an email to see if they would considere honoring what the computer suggested. Any advice? It was a soft pull, EQ 727. I do not want an additional card or a hard pull. Trying to clean up my report.

[Anonymous]

Congrats on the CLI! 

If there is anything I have learned about nfcu, ask for the most and they will counter with what they will give if it's different.  I don't think you can ask for another increase on the same card but maybe someone else can chime in if they have done a back to back request. 

[AverageJoesCredit]

Always shoot for moon, counters will happen if you eligble.

[CreditInspired]

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@Anonymous wrote:

Hi all,

Today I applied for a CLI on my flagship and it was approved (from 17k-20k). I only asked for 3k more because I didnt think I would get approve for any more. But during a chat with someone from the credit card department, she noted that the computer suggested more but she wasnt allowed to tell me how much. Am I screwed? Arhhhhh I miss the max button so bad . I sent an email to see if they would considere honoring what the computer suggested. Any advice? It was a soft pull, EQ 727. I do not want an additional card or a hard pull. Trying to clean up my report.

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You could always SM and ask for a higher CLI using a SP only. Be adamant that you do not want a HP.

[Anonymous]

Thank you! I will try that.

[Gotham-]

Congratulations 🎉🎊🎈 NFCU good stuff solid point!!!

[Medic981]

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@CreditInspired wrote:

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@Anonymous wrote:

Hi all,

Today I applied for a CLI on my flagship and it was approved (from 17k-20k). I only asked for 3k more because I didnt think I would get approve for any more. But during a chat with someone from the credit card department, she noted that the computer suggested more but she wasnt allowed to tell me how much. Am I screwed? Arhhhhh I miss the max button so bad . I sent an email to see if they would considere honoring what the computer suggested. Any advice? It was a soft pull, EQ 727. I do not want an additional card or a hard pull. Trying to clean up my report.

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You could always SM and ask for a higher CLI using a SP only. Be adamant that you do not want a HP.

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SP? Soft Pull? Soft Inquiry? I didn't think that NFCU knew an SP existed let alone allow one?

[CreditSage]

I was denied a CL increase after a HP about two months ago. Do you know if the 6 month rule applies in this instance since I was denied?

[Anonymous]

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@CreditSage wrote:

I was denied a CL increase after a HP about two months ago. Do you know if the 6 month rule applies in this instance since I was denied?

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6 month rule only applies if you were approved. There is no set rule on when you can ask next after a denial, they will happily HP you every time you ask.