It’s absurd. A cloc, a CC, and. an auto lid require three pulls in one day? 🤦🏻♂️
Yep... welcome to NFCU.
If you call they might be able to use one HP for an auto loan and for a CLOC, since those are the same department, but it's going to be YMMV. If you apply online you'll most likely get a HP for each product regardless, though.
Yeah NFCU values relationships. They understandably don’t want people churning their cards. If you’re at max exposure with them and you apply for a new card, they will offer to take some of the CL from your existing card(s) to open the new one and on a case by case basis they will merge cards but it seems to be very YMMV.
DH hit his 6 months with his go rewards card. He got CLI from 5K-15K
Navy score 760
On Jan 4 I did the Cli on my Amex it’s was 6 months from last Cli and was declined
Still waiting for the letter
But I I just pulled the Equifax report and I didn’t see any inquiry form navy so what does that mean did they pull something else
or because I’m At the maximum credir limit with NFCU so no pull is done ?
Ohh no, no grasshopper.... Navy will still bless you with a HP, even if you're maxed.
This just happened to me.
6 months since a cli on my Cash Rewards($10,000), approved for AMEX 6 months ago ($25,000), I requested CLI on CR last week, NOPE, you're at the max.
I have <1% uti, a few inq and no lates, baddies nada. I've also put a LOT of spend through the AMEX and PIF.
They still blessed me with a HP on EQ.
No worries for me though- my new CU/Inspirus gave me a $20,000 SL with a SP!!!
C'est la vie
How long did it take your secured to graduate?
In my case it took a long time. I started with a 408 EQ FICO in Sept, 2016 at $1,000. I increased it six months later to $5,000 with a TU hardpull at that time. I purposly also carried a 50%+ balance for the first 18 months since I did not want my scores to rise much so as not to awaken a few bears. Earlier this year, I started paying in full and opened a shared secured loan at NFCU (a fantastic product) and watched as my scores this year rose from 424 to 599 (EQ FICO 09). The card secured at 26 1/2 months. Not the normal 6 months or so.
Next test is Wife's nRewards still at $1k and opened a month after mine. We started paying in full 3 months ago, similar strategy and scores as above. I imagine that unsecures soon and will likely have her go for the Amex at that point. She has zero INQ's as well and is now in the 580's..
I was thinking that perhaps the Wife's secured card would graduate at her statement date this month as it also coinsides with the new FICO score. So far, no such luck. She did have the same Flagship approval in her offers section recenly that I had a month earlier however so that seemed like a good sign. He scores and DP's are similar to mine with growing NFCU history. Her last TU FICO 08 was 580 on Dec 20th while her new EQ FICO 09 is 608. We decided to pull the trigger for the AMEX and see what happened even though her $1k secured did not graduate as yet.
$15k, 16.9 interest rate
DTI 20%, HHI $75k
Last known TU FICO was 580
0 INQ's, less that 1% UTI
3 Collections $2.5k to $5k, 6 or so larger charge offs all 4-5 years old
nRewards Secured card for 27 months, SSI for 3 months, 1 month old $1k FNBO secured.
Will report Internal score and actual TU FICO when we get the letter.
I was thinking maybe $3k or so... Just Wow!
Just received the letter explaining Wife $15k Amex approval.
TU 09: 580
NFCU Internal Score: 313
History matters for new cards!
Her $1k nRewards has still not graduated however.