Pending NFCU CLI

[sznthescore]

I'm a little past my 91/3 on my cashRewards card. Put the request in this afternoon around 3-4pm. Received the 24-48 hour message.  A little on the fence about it as I was recently was let out of the "unsecured" credit dog house just 3 months ago.  Utilization on the card is a little high, my request was very low.  

All things considered, I'm tip toeing towards a strategy with my NFCU cards of $5k on each card. Eventually, considering a PC to Flagship in March 2024.  In the meantime, work on utilization and continue to do what I'm doing. Paying on-time and no new accounts. We shall see...

[FireMedic1]

The few CLI's I did get with More Rewards was never instant when I was trying back then. One was the next day another 2 days later. Hope that helps. Good luck!

[Anonymalous]

Good luck! Though if you do PC to the Flagship, you won't get the signup bonus.

[pakratus]

If you haven't heard back by now, you may have requested too early. 

A couple times I requested too early. I just requested again after I realized my mistake and was approved. 

[sznthescore]

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@pakratus wrote:

If you haven't heard back by now, you may have requested too early. 

A couple times I requested too early. I just requested again after I realized my mistake and was approved. 

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@pakratus At this point it's looking like denied. Haven't even heard a pin drop. I'll wait for something in the mail... I'll give it till this weekend. Friday will make a week since I asked for the request.

[M_Smart007]

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@sznthescore wrote:

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@pakratus wrote:

If you haven't heard back by now, you may have requested too early. 

A couple times I requested too early. I just requested again after I realized my mistake and was approved. 

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@pakratus At this point it's looking like denied. Haven't even heard a pin drop. I'll wait for something in the mail... I'll give it till this weekend. Friday will make a week since I asked for the request.

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@sznthescore, Have you logged in to NFCU and checked your credit limits?

[SUPERSQUID]

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@sznthescore wrote:

I'm a little past my 91/3 on my cashRewards card. Put the request in this afternoon around 3-4pm. Received the 24-48 hour message.  A little on the fence about it as I was recently was let out of the "unsecured" credit dog house just 3 months ago.  Utilization on the card is a little high, my request was very low.  

All things considered, I'm tip toeing towards a strategy with my NFCU cards of $5k on each card. Eventually, considering a PC to Flagship in March 2024.  In the meantime, work on utilization and continue to do what I'm doing. Paying on-time and no new accounts. We shall see...

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If I read your post incorrectly please disregard. The way I read it you requested a cli 91/3 on the cash rewards after it graduated?

If thats correct than perhaps I know why you might get denied. I have read several posts where NFCU considers graduating a card from secured to unsecured a cli since when they graduate a card it usually comes with a cli.

In the case of a recently graduated card you have to wait at least 181 days and 6 full statements, ymmv

[sznthescore]

@M_Smart007 Yes, and there's no soup for me. Could be that I'm a taste to early. I only asked for $900 😩 lol but it's all good. I just stepped into the unsecured arena so I understand. 😏

[sznthescore]

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@SUPERSQUID wrote:

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@sznthescore wrote:

I'm a little past my 91/3 on my cashRewards card. Put the request in this afternoon around 3-4pm. Received the 24-48 hour message.  A little on the fence about it as I was recently was let out of the "unsecured" credit dog house just 3 months ago.  Utilization on the card is a little high, my request was very low.  

All things considered, I'm tip toeing towards a strategy with my NFCU cards of $5k on each card. Eventually, considering a PC to Flagship in March 2024.  In the meantime, work on utilization and continue to do what I'm doing. Paying on-time and no new accounts. We shall see...

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If I read your post incorrectly please disregard. The way I read it you requested a cli 91/3 on the cash rewards after it graduated?

If thats correct than perhaps I know why you might get denied. I have read several posts where NFCU considers graduating a card from secured to unsecured a cli since when they graduate a card it usually comes with a cli.

In the case of a recently graduated card you have to wait at least 181 days and 6 full statements, ymmv

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You reading it correctly, but I can see where you're confused. I got the cashRewards you see in signature on a cold app, it was unsecured that's the card in question. The moreRewards was the nRewards (secured). When it graduated to cashRewards I had it PC'd to the moreRewards. 

Overall you're correct and I understand. 

[SUPERSQUID]

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@sznthescore wrote:

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@SUPERSQUID wrote:

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@sznthescore wrote:

I'm a little past my 91/3 on my cashRewards card. Put the request in this afternoon around 3-4pm. Received the 24-48 hour message.  A little on the fence about it as I was recently was let out of the "unsecured" credit dog house just 3 months ago.  Utilization on the card is a little high, my request was very low.  

All things considered, I'm tip toeing towards a strategy with my NFCU cards of $5k on each card. Eventually, considering a PC to Flagship in March 2024.  In the meantime, work on utilization and continue to do what I'm doing. Paying on-time and no new accounts. We shall see...

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If I read your post incorrectly please disregard. The way I read it you requested a cli 91/3 on the cash rewards after it graduated?

If thats correct than perhaps I know why you might get denied. I have read several posts where NFCU considers graduating a card from secured to unsecured a cli since when they graduate a card it usually comes with a cli.

In the case of a recently graduated card you have to wait at least 181 days and 6 full statements, ymmv

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You reading it correctly, but I can see where you're confused. I got the cashRewards you see in signature on a cold app, it was unsecured that's the card in question. The moreRewards was the nRewards (secured). When it graduated to cashRewards I had it PC'd to the moreRewards. 

Overall you're correct and I understand. 

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Thanks for clarifying. Now I understand.

So far I got a cli on both my cards with every request, never instant, always 24 - 48 hour review.

On the month side I wait until 7 months between cli requests just to be safe.

Have you checked your messages on your account page? I once requested a interest rate reduction and I was denied but at least they sent me a message telling me the details.