Official NFCU CLI Guide

[Anonymous]

I was approved on Saturday for a CashReward card with a 1k limit. If anyone has started around this range, when did you request an increase? What were your Fico scores? How much were you spending per month on the card?

THANKS

[peghede]

what's the time limit to app for second card with nfcu? i got cash rewards  in jun this year instant  23k and same day app for cloc and got instant 15k. i tried for cli on first card and got declined. should i wait  or app for 2nd card?

[Creditaddict]

You could try now for 2nd card... TU pull.

[peghede]

thx for quick response m8, so i can app now don't need to wait 6 months?also will be hp on tu correct? (have 64 inq) on it.crap..

[Anonymous]

@CA

What data point reasons do you say he should apply now for the second NFCU card? Curious...

[Anonymous]

@peghede

What day in June did you get the card and what day did you ask for the CLI?

On the $15K PLOC did they ask you for bank statements or pay stubs?

And yes, it's a hard TU pull on any new credit card applications with NFCU then EQ for CLI requests.

[peghede]

@ CreditLuv.Got the cc jun 16 instant 23k ,same day cloc instant 15k .no poi.asked for cli few times and denied.

also i run thru cc monthly 10k , 13k and pif .cloc i run 1 to 2k and pif.

[Creditaddict]

Navy doesn't require any time frame between apps.
High first approvals, we don't have many data points for 2nd cards.

[Anonymous]

You asked too soon for a CLI.

I got $25K at the lowest rate they offer @9.9% and normally you should wait at least 90 days or three full statements before asking for a CLI with NFCU.

Do you have a checking and savings account with them as well?

[peghede]

have both savings and checking 15k in each.