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Apple Card and NFCU CLIs

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Anonymous
Not applicable

Apple Card and NFCU CLIs

So I decided to take a shot at getting a CLI on Apple Card again today. When I initially applied for the card, I underreported my income by 25% (nontaxable income was supposed to be inflated by 25% and I didn't know that until after I was approved and they were unable to change my income). Well today when I asked for a CLI, they asked for my income and I sent them a picture of my SSDI award letter for 2020 and explained the situation. The rep told me to wait a moment and I got this email. 

8C6BF21D-0AB2-4338-B287-A26FC8C85A43.jpeg


2X CLI on a card I haven't even been using. Rep messaged me that I would know in 3 days about half a minute later lol. Totally happy with that limit and now when I upgrade my phone, I don't have to pay it off quickly. Asked about APR reductions and they said they aren't doing those as of yet but that they will submit my suggestion. 

I also had applied for a CLI from NFCU on Monday night. I didn't actually expect it to be approved given my current income and limits but SP CLIs scratch my app itch so I went YOLO with it. It was over 24 hours before it was approved and I had given up even checking and was just looking to see if the APR was reduced to reflect the prime rate cut last night (that won't happen until 5/1 by the way) but they increased me from $12,700 to $15K on my Platinum which is what I had asked for. Should have asked for more 😂 

 

F60DB613-FD31-4721-A307-31D839D1EC7F.jpeg

 

Both of them use FICO 9 and I don't know what my TU9 is but my TU8 is 782 and my EQ9 is 783 so I wouldn't be surprised to have my TU9 around 800 since TU doesn't have my BK and EQ does.  

 

Totally thrilled with these increases! Smiley Very Happy

Message 1 of 66
65 REPLIES 65
M_Smart007
Legendary Contributor

Re: Apple Card and NFCU CLIs

Congratulations on your approval's!screamer emoticon.gif

 

Guess what?

 

"Should have asked for more"

Message 2 of 66
AllZero
Mega Contributor

Re: Apple Card and NFCU CLIs

Congratulations on your CLIs!

Message 3 of 66
newfossil
Valued Contributor

Re: Apple Card and NFCU CLIs

Congratulations!




Starting score - May 2018

April 2021

AAoA - 1 year 6 months
Message 4 of 66
Anonymous
Not applicable

Re: Apple Card and NFCU CLIs

Congrats!

Was expecting to see an Apple CLI post from you after everyone elses!  Robot LOL

Message 5 of 66
Anonymous
Not applicable

Re: Apple Card and NFCU CLIs

Congrats on your approvals!

Message 6 of 66
UH_HUH
Valued Contributor

Re: Apple Card and NFCU CLIs

5 Grand from Goldman Sachs is Hella Nice @Saeren !!!

Really made me smile :-) Enjoy that CLI,

Cheers

Message 7 of 66
Anonymous
Not applicable

Re: Apple Card and NFCU CLIs


@Anonymous wrote:

Congrats!

Was expecting to see an Apple CLI post from you after everyone elses!  Robot LOL


Thanks!

 

Yeah I figured it was worth taking another shot but I wasn't sure if they could update income yet or not and I knew that was likely what was holding me back. $23K is significantly more than $18K!

 

This $2500 CLI is gonna cost me $1500 or so though because I have no excuse not to get a new phone this year now 😂 

Message 8 of 66
Anonymous
Not applicable

Re: Apple Card and NFCU CLIs


@UH_HUH wrote:

5 Grand from Goldman Sachs is Hella Nice @Saeren !!!

Really made me smile :-) Enjoy that CLI,

Cheers


Yeah it's the exact number I was wanting to get so I'm totally thrilled!

 

WS, Citi, Target, and DCU are on notice - I don't want any cards under $2K when I apply for my Cash+ in October. If I don't get some CLIs I'm going to go chop happy. 😂 

Message 9 of 66
UH_HUH
Valued Contributor

Re: Apple Card and NFCU CLIs


@Anonymous wrote:

@UH_HUH wrote:

5 Grand from Goldman Sachs is Hella Nice @Saeren !!!

Really made me smile :-) Enjoy that CLI,

Cheers


Yeah it's the exact number I was wanting to get so I'm totally thrilled!

 

WS, Citi, Target, and DCU are on notice - I don't want any cards under $2K when I apply for my Cash+ in October. If I don't get some CLIs I'm going to go chop happy. 😂 


Sorry for the omission @Saeren Owe you a WTG for 15,000.00 from NAVY FED

I am multi tasking atm :-) Congratulations,a very good day to be you :-)

Enjoy it!

Cheers

Message 10 of 66
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