Official NFCU CLI Guide

[gibeon]

They will do APR review and may decrease after 1yr from card activation date or 1 year from last decrease.

[Creditaddict]

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@Anonymous wrote:

So I just did a request on my Flagship Rewards card for 25k and it was an instant approval. However, now I'm concerned that I left money on the table by not selecting the "Maximum" button that I don't believe was there last time. Do I need to wait another three months to ask again? I'd like to avoid a HP if possible as I'm still waiting for a Card Spree from about 1 1/2 years ago to fall off my report.

On a different note, I just sent a message asking for an APR review as my APR on this card is ridiculously higher than I would like it to be and it keeps me from using it as often. Is this something they do? I bank with NFCU and do a lot of business with them if it matters.

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In the past the computer could not go higher than $25k without manual review so not sure if the new "max button" would have offered you anymore or not.  If willing to submit 2 paystubs I would put in a request for the $80k max and let them counter that!

[Anonymous]

@Creditaddict  

Quick question(s): request the CLI  increase after the third statement cuts or after the the three month anniversary of the account? 

NF cut my first statement three weeks after the account opened, I know its only a week or so difference, but I really like to pull the trigger now.

          and a zero or small balance at the time of the request? 

[Creditaddict]

Three statements and after an AR for best chances of an instant counter. No balance low balance it doesn't matter

[morgacj2004]

So I miscalculated and requested a CLI on my Go Rewards card at 85 days.  Resulted in a HP and decline.  Asked for 15k. Curr at 5k. I called a supervisor and I was told I could write a letter requesting a recon or request another CLI in 5 days. 

[Creditaddict]

I don't believe anything navy customer service reps tell you because they are adamant that Navy doesn't even do soft-pull increases and then you call in and have somebody tell you there's a 90 day rule like we're talking about American express or something. No!

[morgacj2004]

So what would you suggest I do CA? 

[UncleB]

Morgac I know this doesn't help now, but here's a site that I use to calculate the dates for CLIs:

http://www.timeanddate.com/date/dateadd.html

It lets you plug in a date then figure 'X' days from that, accounting for the different number of days in each month.

[Anonymous]

Wow! This site is awesome. My go rewards cli for 25K was approved. They did do a hp. Should I also go for the CLOC or wait a bit. On another note, I app for the chase slate yesterday to take advantage of 0% for appliances for the new house. Got the 7-10 message. My EQ score dropped only 3 points. Do you know if they will lump together mortgage inquiries as it pertains to 5/24 rule? If lumped I have 4 inquiries. Otherwise I end up with 9.

[Creditaddict]

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@morgacj2004 wrote:

So what would you suggest I do CA? 

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I would wait for AR in Nov. and request using the max button.