Official NFCU CLI Guide

[Anonymous]

@Aduke I know what you mean. My heart broke when I heard that I was denied. I remained positive and got to work on my recon. I'm sending you all the positive vibes!

[Aduke1122]

Thanks Fabucredit, I'm putting my baby down for a nap then I will go for it , I'll update with results soon. There is always recon too so there's that..

[Aduke1122]

Well great 24 hr review 😕😢

[UncleB]

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@Aduke1122 wrote:
Well great 24 hr review 😕😢

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That's not always a bad thing... in September mine also went to review and I ended up getting exactly what I wanted anyway.

Note that in my case 24 hrs was more like 48 hrs... I was certain when I didn't hear back the next day that it was a denial, just to be surprised to see my CLI. 

[Aduke1122]

Thanks for the encouragement UncB I just knew FOR SURE with all the positive changes that have occurred with my credit since my approval that it would be a SP ..I will not get too upset just yet

[Aduke1122]

Also UncleB did they ever send you any communication saying it was approved or you just seen it in your acct?

[Aduke1122]

The reason I ask is bc my fiancé never got an answer either way and it's been 5 days which im sure it's denied but to have an answer would be nice atleast .

[UncleB]

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@Aduke1122 wrote:
Also UncleB did they ever send you any communication saying it was approved or you just seen it in your acct?

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Great question... when I checked my account online a couple of days later the CLI was just there (I hit the button on a Sunday night, and got the CLI on Tuesday).  A few days later I did get an AA letter that was actually quite confusing; it stated that they were unable to approve the CLI I had requested but were offering me a new credit line of $20k - a CLI of $4.7k - and if I didn't want this credit line to let them know and they would reverse it.  (???)

This was confusing because I didn't ask for a specific amount... I used the 'max' button.  Actually, had I asked for a specific amount I would have asked for exactly what they ended up giving me, anyway. 

The AA letter gave a laundry list of reasons as to why my request couldn't be honored, all of which pointed back to account balances and various ratios.  Since I'm only at 4% utilization I took this to "really" mean that my income isn't high enough... LOL.

[UncleB]

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@Aduke1122 wrote:
The reason I ask is bc my fiancé never got an answer either way and it's been 5 days which im sure it's denied but to have an answer would be nice atleast .

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He should be getting an AA letter in the mail if the CLI wasn't approved. 

[Aduke1122]

OK thanks for the info UncB I'm keeping my fingers crossed maybe I'll hear something by Monday