Official NFCU CLI Guide

[Anonymous]

[kobe2012]

My second statement cut last week and requested an increase, denied of course, this time, "account too new".. They pulled equifax... I tried to apply for goRewards and denied as well, but no pull, I froze my equifax and no pull from transunion.. Kinda odd coz last month I applied for goRewards and they pulled transunion ...gotta wait for the denial and see what it says.... I have had very itchy fingers lately ...

[Aduke1122]

Just be careful Kobe , don't want you to run the risk of them thiking you are a risky customer , I know how hard it is to wait TRUST ME , I have had to talk myself out of apping for CLI several times , I'm going to follow CA advice from this thread bc the majority speaks for it to work . So I wanna have the best chances for increases.

[peghede]

Quick question, so i got in jun 16 2016   the cash back visa 23k  and cloc 15k both instant approved. i pc the cash visa to plat to decrease apr after 2 months. now under the cash back i got 2 statement cut out under the pc to plat 1 statement, will this be 3 statements cut out  so i can try for cli? i tried cli before and got hard pull and declined( account too new) also can we avoid the hard pull by locking the credit  report?so they use sp?

[Creditaddict]

With a 23,000 starting limit I would request a second card before I requested an increase

[peghede]

so you saying is better to app for new cc than try again to cli ? also can i froze the reports so is not hard pull?they pull eq for cc and cli right?

[Creditaddict]

TU for new card
Eq for cli

[Anonymous]

For those who can pitch in - if you are denied for NFCU CC - and denied recon, how long to wait to apply again? Im just a bit jeaouse seeing alot of approvals around lately, I got my TU up to 725 range now and the only real baddy I have is 1 paid collection from 2010 and 1 student loan paid from 2013. I just want a visa that has better than $5k limit

[Creditaddict]

When where you declined?
1st card or 2nd card?

[Anonymous]

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@Creditaddict wrote:
When where you declined?
1st card or 2nd card?

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1st 

I was approved for full CLOC but denied and recon denied for CC - 

Reason was "DELINQUEN PAST OR PRESENT CREDIT OBLIGATIONS WITH OTHERS. (PRIMARY)" I think this was my 1 collection and 1 student loan from 2010 and 2013 both paid in full. My score according to them was 338/450, from 8/5/16.