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Official NFCU CLI Guide

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washpadude
Regular Contributor

Re: Official NFCU CLI Guide

I joined NFCU in mid-September. Visa Platinum 1k SL. CLOC requested 2.5k and got it.

11/1 requested CLOC increase of 12.5k. Went to review and received counter a few hours later for 7k increase which I happily accepted.

While waiting I applied for a second CC and was instantly denied, which I pretty much expected.

Best part is no HP for either one!
BK CH7 Discharged 03/2015
FICO8 EQ-657 TU-657 EX-665
Revolving credit lines 125k.
Message 5601 of 5,746
Aduke1122
Senior Contributor

Re: Official NFCU CLI Guide

That's awesome , and very very unusual that you would not get a HP for.the CLOC cli. Congrats
Message 5602 of 5,746
Anonymous
Not applicable

Re: Official NFCU CLI Guide

Yeah that is because I for site got a hard pull and was denied ..lol my EQ is my lowest for now!
Message 5603 of 5,746
Anonymous
Not applicable

Re: Official NFCU CLI Guide


@UncleB wrote:

@michaels88369 wrote:
I just tried and got the 24 hour message. I am on the phone to cancel the request now. I've had this card for about 9 months with zero increases. Don't always pay in full but usually within 3 statements it's back to zero balance. Scores in the 650's. Not sure why they will not help with an increase. I recently got a $1000 amazon card, and authorized user on my father's $8000 Gorewards card. My limit on my Nrewards is still a low $500

My account will be a year old in two weeks, and after the last AR I hit the button for the first time ever... got the 24 hour message as well. 

 

I waited it out - it actually took two days - but I ended up with a $4.7k CLI making my new credit line an even $20k (which is what I wanted anyway).  While it did take a HP I think it was worth it... it might be worth it as well for you! 

 

Of course I understand if you want to withdraw the request to avoid the HP; I'm just pointing out that it's not always bad news.  Smiley Wink


UB,

just hit the button on my rewards and went from $5500 to $15,000 yeah! sp.. had TU and EQ locked down. 

Do they allow increase on multi cards same time?

Message 5604 of 5,746
steelers1
Frequent Contributor

Re: Official NFCU CLI Guide

I got the CashRewards card on 7/21/16 with a starting CL of $2,000.

 

I was disappointed with the starting CL but I used it almost daily and PIF since I had it.

 

My 3rd. statement cut on 10/22.

 

I hit the LUV button last night and got an instant increase of $13,000.

 

My new credit line is $15,000.

 

I couldn't believe it I almost fell out of my chair.

 

 

Message 5605 of 5,746
Aduke1122
Senior Contributor

Re: Official NFCU CLI Guide

Fiancé tried again today for CLI and it went to review again ,.he tried last AR and denied , he.has had 4 statements cut . I don't have alot of hope , I think they don't like him. I think it has to do with his acct being frozen when he joined and all the trouble he had to go thru to get it unfrozen, just my thoughts idk we will see .
Message 5606 of 5,746
Aduke1122
Senior Contributor

Re: Official NFCU CLI Guide

Congrats to all the others that have gotten theirs so far!!
Message 5607 of 5,746
UncleB
Credit Mentor

Re: Official NFCU CLI Guide


@Anonymous wrote:

@UncleB wrote:

@michaels88369 wrote:
I just tried and got the 24 hour message. I am on the phone to cancel the request now. I've had this card for about 9 months with zero increases. Don't always pay in full but usually within 3 statements it's back to zero balance. Scores in the 650's. Not sure why they will not help with an increase. I recently got a $1000 amazon card, and authorized user on my father's $8000 Gorewards card. My limit on my Nrewards is still a low $500

My account will be a year old in two weeks, and after the last AR I hit the button for the first time ever... got the 24 hour message as well. 

 

I waited it out - it actually took two days - but I ended up with a $4.7k CLI making my new credit line an even $20k (which is what I wanted anyway).  While it did take a HP I think it was worth it... it might be worth it as well for you! 

 

Of course I understand if you want to withdraw the request to avoid the HP; I'm just pointing out that it's not always bad news.  Smiley Wink


UB,

just hit the button on my rewards and went from $5500 to $15,000 yeah! sp.. had TU and EQ locked down. 

Do they allow increase on multi cards same time?


Huge congrats!

 

As far as I know, each card is considered separately, so a CLI on one shouldn't make a difference with a CLI on another (positive or negative).  On manual review YMMV, of course.

 

Since I only have one card with them I'll defer to the others on here who have multiple NFCU cards for further data points.  Smiley Wink

Message 5608 of 5,746
UncleB
Credit Mentor

Re: Official NFCU CLI Guide


@Aduke1122 wrote:
Fiancé tried again today for CLI and it went to review again ,.he tried last AR and denied , he.has had 4 statements cut . I don't have alot of hope , I think they don't like him. I think it has to do with his acct being frozen when he joined and all the trouble he had to go thru to get it unfrozen, just my thoughts idk we will see .

My fingers are crossed for your fiancé, Aduke... as I mentioned, mine went to review last time as well but it turned out OK (with a HP, of course).

 

Let us know how it turns out!  Smiley Wink

Message 5609 of 5,746
Aduke1122
Senior Contributor

Re: Official NFCU CLI Guide

Thanks UncB , I just don't know ,.they pulled TU his last CLI and I'm hoping they use EQ this time. It's my turn to try on Sunday but this makes me nervous
Message 5610 of 5,746
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