Official NFCU CLI Guide

[Sitori]

Yes they have a 14.something % fixed rate if you don't take the 6 month or 1 year promotions.

Wow HP in 2 hours? haha. they dont waste any time do they.

[dddfresh]

well, I have had my cards for 3 months (flagship and cashrewards). one for $12,500 and one for $1000.

I hit CLI on both, got BOTH screens, and the 3-5 day message. I didnt hear anything for two days so i was hoping they just lost my app or SP me and declined me. Well, three days after, i got TWO HP on TU and no CLI. bummer but I should have def waited. Hope it helps a little for anyone on the fence

[Anonymous]

I just hit the luv button for the first time. I only had the card for about two weeks and am currently carrying a balance of 1600 on it. I was expecting them to give me nothing, because they had said that I had reach the credit to income limit. The only thing that changed since now and then was that my TU went up 14 points, and I reported an income a little lower than what I actually make (Due to an error on my end). So I took a another HP on TU and they increased it from 11k to 14k. I had asked for 25k and they countered. Hopefully all my future CLI's will be soft pulls. Im only going to ask for 25k, because thats the highest I want to have on one card (Then I will apply for the cashRewards). Besides it would be silly to ask for anything less, because they will just counter anyway.

[dddfresh]

Was it an instant counter?

[Anonymous]

No it was not instant I got the 3-5 day message. Showed up next day in my account.

[dddfresh]

I see. I had the 3-5 too and two HP but no cli on my account

[electra]

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@dddfresh wrote:
I see. I had the 3-5 too and two HP but no cli on my account

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I think it also depends on usage.  How much do you use yours?  I push close to the credit limit each month and pay most of it off.  I think they like to see active usage/payments.

The good news is, I bet the next time you ask it'll be a soft.  Give it a couple months and use it heavily/pay off most.

[dddfresh]

I do less than 1k a month on the 12500limit and less than 100 on the 1000 limit. I def can't afford the HP again. I'll try your theory!

[Brusilov]

Just as an FYI it's been a few days since I requested my Navchek CLI.  I didn't get an instant approval, but I've seen no HP show up on my EQ monitoring, or Credit Karma. Possible they pulled EX, but they've always pulled EQ for everything in the past except membership (TU).

[silverzgirl]

No, they wasted no time pulling EQ for me. Apparently my main CU didn't either for the refi (which was a success, knocking 3 percent off.)

My CL is still the same on my NFCU so I am going to guess it was a wasted HP.