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2nd NFCU Card Approved + CLI Pending/Approved

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Anonymous
Not applicable

Re: 2nd NFCU Card Approved + CLI Pending


@Anonymous wrote:

@Anonymous i could use your help. i have a cash rewards SL $700, i got approved with a 544 score. thin file and had a collection. Im past my 91/3 and the collection is now gone fico 8 around 580. i want the amex card. should i apply for that first or CLI??


@recoveringfrombk7 wrote:

@Anonymous no worries at all.  You help a lot of folks.  I appreciate the guidance!


 


Honestly, @Anonymous I would wait until you have been a member for 6 months before going for a second card based on your low score approval so as not to waste a HP. Since a CLI is a SP, no harm asking now. 

Message 11 of 29
M_Smart007
Legendary Contributor

Re: 2nd NFCU Card Approved + CLI Pending

Congratulations!..

Message 12 of 29
recoveringfrombk7
Established Contributor

Re: 2nd NFCU Card Approved + CLI Pending

Just logged in, Cash Rewards has a limit of $9,900, so they obviously countered.  I'll take the 6k CLI.

 

@Anonymous it all worked out!  Thanks again for all of the help.











Desired BK recovery line up complete 7/12/2021. Planning to garden until 8/2023 and potentially try for AMEX.
Message 13 of 29
Anonymous
Not applicable

Re: 2nd NFCU Card Approved + CLI Pending

Thank you ! i applied for a CLI and got 3x my limit so $2100 came pretty fast too. applied less than 30 min ago and see a change in credit limit

Message 14 of 29
CreditAggie
Community Leader
Super Contributor

Re: 2nd NFCU Card Approved + CLI Pending


@recoveringfrombk7 wrote:

Just logged in, Cash Rewards has a limit of $9,900, so they obviously countered.  I'll take the 6k CLI.

 


Congratulations on your NFCU Cash Rewards CLI!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (February 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 15 of 29
Wavester64
Valued Contributor

Re: 2nd NFCU Card Approved + CLI Pending

congrats.jpg






Potential Future Cards
Message 16 of 29
SFLSpotter9210
Valued Contributor

Re: 2nd NFCU Card Approved + CLI Pending

Congratulations 🎉🎈🎊🍾 on your 2nd card approval with great SL and your CLI on first. NFCU is the best hands down for sure 👍. 

NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 9,400 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay Apple1k | Citi Rewards+ 12,100 | Citi Double Cash 14,800 | Citi Simplicity 7,000 | PNC Core VISA 22,500 | USAA AMEX 10,000 | Discover 17,000 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 6,000 | Chevron 2,500 | Fico 8 Scores EQ=757 | EX=760 | TU=771scores and CL current as of 08/22/22 AAoA years 6 months | AoOA=18yrs
Message 17 of 29
Anonymous
Not applicable

Re: 2nd NFCU Card Approved + CLI Pending

Congrats 

Message 18 of 29
AverageJoesCredit
Legendary Contributor

Re: 2nd NFCU Card Approved + CLI Pending


@recoveringfrombk7 wrote:

Prequalify tool said I was not eligible, but today was my 91/3

 

1st Card, Cash Rewards, approved 1/30 - $3900 / 12.49%

2nd Card, More Rewards, approved 4/30 - $12,500 / 11.15%

 

CLI request to 15k, approved to $9,900 (found out by logging in, no letter/correspondence yet)

 

TU FICO 9 720 as of 4/20 - probably a tad higher at time of application since a balance was paid on my Red Card for ~600/2000 limit.

Inquiries TU: 5

 

If you need additional information for DPs, please don't hesitate to ask.  Most information is in my signature.

 

@M_Smart007 @Anonymous I chickened out and asked for 15k on the Cash Rewards haha


CongratsSmiley Happy 

 

ALWAYS go for the 5 nickelsSmiley Wink

Message 19 of 29
Anonymous
Not applicable

Re: 2nd NFCU Card Approved + CLI Pending

Congrats on your NFCU More Rewards approval and cashRewards CLI!Smiley Very Happy

Message 20 of 29
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