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Official NFCU CLI Guide

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UncleB
Credit Mentor

Re: Official NFCU CLI Guide


@Aduke1122 wrote:
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

I know how you feel... I felt the same way when I gave it a try back in September.  Smiley Frustrated

 

I just told myself that even if they said 'no' I wouldn't be any worse off than I already was, the HP notwithstanding, of course.  In my case I figured if I didn't at least try I would drive myself crazy wondering about what "might have been", which for me would be worse than a denial.

 

Either way, keep that chin up... either you'll get the CLI, or you'll know (and not have to wonder) that a little more work needs to be done before you try again next time - and there's always a next time!  Smiley Wink

Message 5611 of 5,746
Anonymous
Not applicable

Re: Official NFCU CLI Guide

V
@UncleB wrote:

@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


I hit on my Go card and went from $14,000 to $15,000!! Hey $1000 bucs is a $1000 bucs.

 

thanks UB

Message 5612 of 5,746
UncleB
Credit Mentor

Re: Official NFCU CLI Guide


@Anonymous wrote:
V
@UncleB wrote:

@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


I hit on my Go card and went from $14,000 to $15,000!! Hey $1000 bucs is a $1000 bucs.

 

thanks UB


Awesome!  Those are some sweet, sweet CLIs!  Smiley Very Happy

Message 5613 of 5,746
Anonymous
Not applicable

Re: Official NFCU CLI Guide

Awsome sauce! How long have you had it? Billy?
Message 5614 of 5,746
Anonymous
Not applicable

Re: Official NFCU CLI Guide

Me to lol Aduke 🤔
Message 5615 of 5,746
Anonymous
Not applicable

Re: Official NFCU CLI Guide

My credit card was approved on 09/15 first statement shows 10/04 second should be 11/04 should I even attempt a Cli! Or wait for next AR? My scores have gone up around 19 points on equifax and 17 on transunion since then.
Message 5616 of 5,746
Aduke1122
Senior Contributor

Re: Official NFCU CLI Guide

It is usyall recommended to have ATLEAST 3 statements and an AR bf attempting , it would prolly kick it out as ACCOUNT TOO NEW , like others have seen recently .

And thanks for the encouragement UncB it is much appreciated!!
Message 5617 of 5,746
Creditplz
Valued Contributor

Re: Official NFCU CLI Guide

DW got her Gorewards on 5/17... still no CLI and a Flagship in October, contemplating having her try
Message 5618 of 5,746
Anonymous
Not applicable

Re: Official NFCU CLI Guide

Guess who got DENIED 😟... *Insert sad face * Recon letter in process... I should have waited until Saturday which would be my 4th stmt drop. I'm pretty sure it's due to the obscene amt of inquires I have. No time to be sad.. I need to finish this recon!
Message 5619 of 5,746
Anonymous
Not applicable

Re: Official NFCU CLI Guide


@Anonymous wrote:
Awsome sauce! How long have you had it? Billy?

Go - Jan 16 - 2nd cli

CLOC - Jan 16

Rewards - Apr 16 - 1st cli 

 

Message 5620 of 5,746
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