Some DPs:
BK 13 discharged March 2022 (didn't burn NFCU)
NFCU secured nRewards opened July 2022 $750 - auto CLI to $1150 Nov 2022 - graduated to cashRewards with $2000 limit Jan 2023
I've got 6 months to go for EE of my BK PR on TU and once it's clean I plan on applying for a new NFCU card but not before. Since CLIs pull EQ and it's my best score I'll try for that with the new cashRewards card in 90+ days.
Thanks for all the helpful tips... amazing thread. Super glad I joined up with NFCU... plan on going for an auto refi with them in the next year as well.
@TRC_WA wrote:Some DPs:
BK 13 discharged March 2022 (didn't burn NFCU)
NFCU secured nRewards opened July 2022 $750 - auto CLI to $1150 Nov 2022 - graduated to cashRewards with $2000 limit Jan 2023
I've got 6 months to go for EE of my BK PR on TU and once it's clean I plan on applying for a new NFCU card but not before. Since CLIs pull EQ and it's my best score I'll try for that with the new cashRewards card in 90+ days.
Thanks for all the helpful tips... amazing thread. Super glad I joined up with NFCU... plan on going for an auto refi with them in the next year as well.
You will have to wait 6 months since the date it graduated to unsecured till you can get a CLI
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@RobynJ wrote:You will have to wait 6 months since the date it graduated to unsecured till you can get a CLI
Thanks for the tip. Not really a problem... all my baddies are falling off in the next 6-12 months so the scores will be even better. EQ might even crack 700 by then.
Very informative, so glad i found this thread to be hoenst. Beginning a relationship with them as we speak.
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Here are my DPs
Joined NFCU October 2022 with minimum $5 savings and $0 Everyday checking account
November 2022 Began partial biweekly DD into my Everyday checking account ($70)
December Opened 12 month Share Certificate account (required DD for adv savings rate) with auto transfers ($70) from checking into the account.
End of December paused my DD and deposits into Share Certificate
January 2 2023 received an email pre approval to apply for the Platinum card 0% 12 month promotion in new purchases and BTs---passed
February 2 received an email pre approval to apply for the Platinum card 0% 12 month promotion on new purchase and BTs with a promo code (no code included with the January email).
Applied February 8 via link in the email, approved for $25k @15.24 apr😊
@lyTENciL wrote:I posted in approvals, but I should have put my DP in here.
CLI 8K (25->33K) instant approval via app. All reports frozen. EQ9 is 837.
1st CLI on this card, 2.5y old.
I too requested a CLI on my Amex moreRewards (200 days old). Reports also frozen, I asked for +10K (35K total) and the automated system countered 8K from $25->33K.
BTW I received a "denial" letter related to the amount they did not increase me. Currently 2 CC's with limits of 25K and 33K
@dkm23 wrote:
@lyTENciL wrote:I posted in approvals, but I should have put my DP in here.
CLI 8K (25->33K) instant approval via app. All reports frozen. EQ9 is 837.
1st CLI on this card, 2.5y old.
I too requested a CLI on my Amex moreRewards (200 days old). Reports also frozen, I asked for +10K (35K total) and the automated system countered 8K from $25->33K.
BTW I received a "denial" letter related to the amount they did not increase me. Currently 2 CC's with limits of 25K and 33K
Just FYI @dkm23, the "denial" for full amount you requested wasn't due to creditworthiness, but rather due to $8k being the current cap for CLIs on any card with them.
Cash Rewards CLI Mistake turned into a successful $8,000 increase.
CL was sitting pretty @ $6K over the last 6mos and was finally due to request an $8K CLI. Instead of requesting total CL of $14,000 (6K + 8K) i put into the box total $8K CLI, was immediately approved meaning i went up only $2K. Anyhow sent Navy a message 12 hours later they approved me for the total $8K increase. Cash Rewards is now sitting with a successful $14,000 CLI nice turn around NAVY !!!!!! I love this bank
@dkm23 wrote:
@lyTENciL wrote:I posted in approvals, but I should have put my DP in here.
CLI 8K (25->33K) instant approval via app. All reports frozen. EQ9 is 837.
1st CLI on this card, 2.5y old.
I too requested a CLI on my Amex moreRewards (200 days old). Reports also frozen, I asked for +10K (35K total) and the automated system countered 8K from $25->33K.
BTW I received a "denial" letter related to the amount they did not increase me. Currently 2 CC's with limits of 25K and 33K
your denial letter have your internal score on it?
@GZG wrote:
@dkm23 wrote:
@lyTENciL wrote:I posted in approvals, but I should have put my DP in here.
CLI 8K (25->33K) instant approval via app. All reports frozen. EQ9 is 837.
1st CLI on this card, 2.5y old.
I too requested a CLI on my Amex moreRewards (200 days old). Reports also frozen, I asked for +10K (35K total) and the automated system countered 8K from $25->33K.
BTW I received a "denial" letter related to the amount they did not increase me. Currently 2 CC's with limits of 25K and 33Kyour denial letter have your internal score on it?
Those "denial" letters wouldn't have it. It's only when you're denied for, say, a new account, or approved for a new account, but not at the best interest rate.