Official NFCU CLI Guide

[kilj0y]

So NFCU really does treat separate credit cards different as in you can ask for an increase on both cards on the same day and get approved for both.

After applying for CLI for both cards 5/2012 I went from 1k to 3k on my visa and 3k to 5k on my MC.

Since it was the first time I asked for a CLI on both cards I got two HPs one for each card.

After that it has been all SPs for me.

Today I did a CLI on the visa to 5k and instant approval.

Went to a party for 3 hours and came back home, thought to myself I might as well just go ahead and try for 15k for the visa.

INSTANT counter to 12.5k or I could ask for further review, I gladly accepted the 12.5k.

Decided what the heck might as well give the MC a try, went for 15k countered with 12.5k, instant as well.

So both cards now sit at 12.5k each, I am thinking of PC'n the cards as both of them are nRewards.

Not sure if i want the VISA sig, as I already have a CSP but thinking about the cash rewards and the platinum to see if I can get better cashback and a low APR so I can BT from a store card.

[Scupra]

Congrats!!!!!!

[Anonymous]

Based on 27+ pages of stories, it seems like the 1st CLI (not auto-CLI) is a HP, then a SP. Has anyone received a CLI as a SP on their 1st CLI? (Not including auto-CLI)

[kampfer09]

I did I only had the card two weeks and ask for cli for $15k and got the next day.

[Anonymous]

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@kampfer09 wrote:
I did I only had the card two weeks and ask for cli for $15k and got the next day.

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Was this a HP or SP? If you got a 3-5 day message then more than likely it was a HP. Instant=SP.

[kampfer09]

SP since I got the increase the next day.

[kampfer09]

I should have ask for $25k and see what happen I'm sure they would either counter offer or approve it.

[kampfer09]

Does anybody have two cards from them? I already have the flagship visa sig and I was thinking of getting the cash back or the ngo visa I'm not sure yet. Do you guys know which card is the best they have?

[dodfire]

I am happy with the Flagship Signature and the Cash Rewards

[JustinA]

In hopes of rebuilding my credit and getting out of the "secure" stages of building. What is the target score NFCU is looking for credit? I make pretty ok money over in the stan playing contractor if it matters to them? I am just afraid of getting a hard inquiry and denial. Especially with rebuilding.

Thank you
Justin