@MmmmmmCredit wrote:Tried to read as much of this thread as possible, including the OP, but are CLIs generally SPs?
I have two cards with NFCU and both have $25k limits. I have 3 direct deposits per month that are a decent amount. Just curious if I'd get a HP or not.
Thanks!
If you request via the app or on desktop, yes, it's an SP. If you call in, it's likely to be a HP.
@OmarGB9 wrote:
@MmmmmmCredit wrote:Tried to read as much of this thread as possible, including the OP, but are CLIs generally SPs?
I have two cards with NFCU and both have $25k limits. I have 3 direct deposits per month that are a decent amount. Just curious if I'd get a HP or not.
Thanks!
If you request via the app or on desktop, yes, it's an SP. If you call in, it's likely to be a HP.
do your reports still have to be unfrozen even if it's going to be a SP?
@GZG wrote:
@OmarGB9 wrote:
@MmmmmmCredit wrote:Tried to read as much of this thread as possible, including the OP, but are CLIs generally SPs?
I have two cards with NFCU and both have $25k limits. I have 3 direct deposits per month that are a decent amount. Just curious if I'd get a HP or not.
Thanks!
If you request via the app or on desktop, yes, it's an SP. If you call in, it's likely to be a HP.
do your reports still have to be unfrozen even if it's going to be a SP?
No, your reports can be frozen as you already have an account with them so they are allowed by law to review your credit with SP even if they are frozen/locked. Good luck with your CLI.
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This is ammmmmmmazing! Thank you so much for sharing data points. This is a really useful resource, thank you!!!
@RobynJ wrote:Some more DP's from NavyFCU Facebook. Looks like a 9k increase on one card and a 8.5k increase on the other
That's awesome! Thanks for sharing. I look forward to testing the new limits -- whatever they are -- myself in a few months.
Reading through NFCU megathread on when to app for 2nd card, CLI and PC. I get a nice snail-mail surpirse today from NFCU citing "You've been been upgraded to a new - Visa Signature cash Rewards Card". I didn't ask for it but, i'm not complaining so I'll accept.
Including History and NFCU relationhip Data Points since (me and we) appreciate data points:
- 07/2016 - BK 13 filed
- 2018-2019 - Opened NFCU checking acct w/ (deposit $50 - $150) monthly.
- 06/2021 - App'd NFCU Secured (blue card) w/$200 guidance from Fico Community expecting graduation within 6mos.
- 07/2021 - BK 13 discharged!
- 10/2021 - (90+ days) NFCU partially graduated gave me back my $200 deposit and bumped CL to $600.
- 01/2022 - Secured card fully graduated to CL of $2,000 (card color changed from sad blue to green for go!).
- 04/2022 - 93 days later CLI attemp failed No-Go.
- 07/2022 - 2nd CLI attemp failed again No-Go
- 08/2022 - 3rd CLI attemp successful bumped up to $6,000 CL.
- 09/2022 - Auto loan approved $15K @ 6.19% (not great but not bad). Car shopping for my daughter.
- 09/2022 - CashRewards upgraded without soliciting a PC.
What's the point? Be responsible with NFCU and they'll take care of you - something many of you have taught me from your posted experiences on these boards. Let's keep passing it along. I'm loving my NFCU 
@SUPERSQUID @Anonymalous - Got it! It's all new to me, no one ever in the world of financial institutions has ever sent me love letters like this. Not long ago I got a solid "pre-approval" from PenFed anytime letters like this rendering good news is symbolic to my hard work in resuscitating my credit health and worthiness.
On a seperate note, since I only have (1) CC with NFCU what do you recommend should be the 2nd NFCU card? I'd love to get $25K card like some have posted on here.