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Official NFCU CLI Guide

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JoeRo
Valued Member
‎05-23-2013 05:11 PM
‎05-23-2013 05:11 PM

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

I should add that I am concerned with income as it relates to opening a card, not the membership.
Message 201 of 5,746
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Creditaddict
Legendary Contributor
‎05-23-2013 06:03 PM
‎05-23-2013 06:03 PM

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

I wouldn't worry about it and if you have a 710 score, I would apply now.

Message 202 of 5,746
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JoeRo
Valued Member
‎05-23-2013 06:10 PM
‎05-23-2013 06:10 PM

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

How can I apply if I don't have a membership yet?
Message 203 of 5,746
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ktl72455
Valued Contributor
‎05-23-2013 06:10 PM
‎05-23-2013 06:10 PM

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

Yep I agree, apply now. Nothing to wait for! If my DH can get approved for 14k with a 586, around same income, your score will be a breeze!

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%
Message 204 of 5,746
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Creditaddict
Legendary Contributor
‎05-23-2013 06:12 PM
‎05-23-2013 06:12 PM

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

@JoeRo wrote:
How can I apply if I don't have a membership yet?

oh, thought you just said you joined today.

Message 205 of 5,746
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JoeRo
Valued Member
‎05-23-2013 06:14 PM
‎05-23-2013 06:14 PM

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

I applied for membership. They haven't approved it yet. That's why I was wondering it they are going to request anything for me to verify my relationship.
Message 206 of 5,746
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starry1
Valued Contributor
‎05-24-2013 01:26 PM
‎05-24-2013 01:26 PM

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

No CLI, but I did get an auto refi today.  Halved my interest rate.  WIN!

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 207 of 5,746
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Scupra
Super Contributor
‎05-25-2013 07:03 PM
‎05-25-2013 07:03 PM

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

Opened my cashRewards in 02/2013 and am REALLY itching to ask for a CLI after reading through here. I have pushed almost $3k thorugh it, balance is 10% right now, current limit is $1k. Ive had my secured nRewards since 10/2012 to show some extra history through them as well. Hmmm tempting Smiley Happy My card reports on the 3rd maybe then?

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 208 of 5,746
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Scupra
Super Contributor
‎05-25-2013 07:05 PM
‎05-25-2013 07:05 PM

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

@starry1 wrote:

No CLI, but I did get an auto refi today.  Halved my interest rate.  WIN!

Wooo!! Really hoping I can use NFCU fo my auto loan I plan to get at the end of this year! Congrats! 

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 209 of 5,746
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Anonymous
Not applicable
‎05-27-2013 01:00 PM
‎05-27-2013 01:00 PM

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

I just hit the luv botton, and got this message:

 

 

Your credit limit increase request for $15,000.00  has been submitted for further review.  A decision will be made in approximately 3-5 business days. A letter will be mailed advising you of the credit decision.

 

 

MyFICO score is 612 and I have three paid collections.  My current Cash Rewards CC is for 5K and I asked for a CLI of 15,000 hoping to either get it, or to be countered with another amont.  My utilization is sitting at 30% and falling, and have had the card for 6 months.

 

What do you think my odds of getting it are...or even countered?

 

From reading all the posts here, I'm not sure what I should do.  Wait for the acceptance letter?  If it's a denial letter, do I call and recon?  Should I call and see what's up tomorrow, seeing as how they are closed today on Memorial Day....or wait?

Message 210 of 5,746
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