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Apple Card and NFCU CLIs

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M_Smart007
Legendary 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. 😂 


Not sure, But I think US Bank marches to a beat of it's own drum on Cash+ SCL's ..

 

 

 

 

Message 11 of 66
Anonymous
Not applicable

Re: Apple Card and NFCU CLIs


@M_Smart007 wrote:

@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. 😂 


Not sure, But I think US Bank marches to a beat of it's own drum on Cash+ SCL's ..

 

 

 

 


Yeah but with 0/12 and 780+, no balances carried, and 6 months with a US Bank checking account in addition to no other cards below $2K, I would think $2K+ is in the realm of probability. 

I wouldn't care if they gave me $1K, I just want to have the best chance of not getting hit with a low limit and the cards I listed aren't really that valuable with low limits. 

Message 12 of 66
Jordan23ww
Valued Contributor

Re: Apple Card and NFCU CLIs

Congratulations on the CLI's!   That's awesome!  If you use Facebook there is a Navy Federal CU fan club page on there. People are always sharing valuable info and tips on there as well as answering each others questions. Just today I learned when you ask for a CLI that they can increase it up to 3 times your current limit, anything higher will be denied and they will counter with an amount.  Most people with your previous limit usually ask for their new limit to be $25,000 and they get it. In 6 months you can ask for another increase if you like.  Again congrats! 

      


Message 13 of 66
M_Smart007
Legendary Contributor

Re: Apple Card and NFCU CLIs


@Jordan23ww wrote:

Congratulations on the CLI's!   That's awesome!  If you use Facebook there is a Navy Federal CU fan club page on there. People are always sharing valuable info and tips on there as well as answering each others questions. Just today I learned when you ask for a CLI that they can increase it up to 3 times your current limit, anything higher will be denied and they will counter with an amount.  Most people with your previous limit usually ask for their new limit to be $25,000 and they get it. In 6 months you can ask for another increase if you like.  Again congrats! 


@Jordan23ww 

 

myFICO has a pretty long thread here!

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Thread-for-CLI-and-Additional...

Message 14 of 66
bizarrocreditworld
Valued Contributor

Re: Apple Card and NFCU CLIs

Congratulations on the CLI double play!

No credit news is good credit news!
Message 15 of 66
Anonymous
Not applicable

Re: Apple Card and NFCU CLIs


@Jordan23ww wrote:

Congratulations on the CLI's!   That's awesome!  If you use Facebook there is a Navy Federal CU fan club page on there. People are always sharing valuable info and tips on there as well as answering each others questions. Just today I learned when you ask for a CLI that they can increase it up to 3 times your current limit, anything higher will be denied and they will counter with an amount.  Most people with your previous limit usually ask for their new limit to be $25,000 and they get it. In 6 months you can ask for another increase if you like.  Again congrats! 


Yes we have the big NFCU CLI thread and I've read every post in it from around mid 2017 or so haha. The reason I don't ask for really high amounts like that is because my income doesn't support limits that high. It would be nice to have a $25K credit card but with $18K income, it's not exactly practical 😂 

Message 16 of 66
MasonK
Frequent Contributor

Re: Apple Card and NFCU CLIs

Excellent! I don't think I'll use my AC ehough to ever get a bump.  Glad to see people getting CLIs from Goldman, though.

1/1/16 FICO8 Scores: EX: 407, EQ: 403, TU: 455
4/1/24 FICO8 Scores: EX: 832, EQ: 820, TU: 834
FICO9 EX: 818
Total Revolving Limits: $152,300

Message 17 of 66
M_Smart007
Legendary Contributor

Re: Apple Card and NFCU CLIs


@Anonymous wrote:

@M_Smart007 wrote:

@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. 😂 


Not sure, But I think US Bank marches to a beat of it's own drum on Cash+ SCL's ..

 

 

 

 


Yeah but with 0/12 and 780+, no balances carried, and 6 months with a US Bank checking account in addition to no other cards below $2K, I would think $2K+ is in the realm of probability. 

I wouldn't care if they gave me $1K, I just want to have the best chance of not getting hit with a low limit and the cards I listed aren't really that valuable with low limits. 


What I meant was, I do not think they even look at "other" limitsSmiley Tongue

and yes $2000.00 is not out of the realm of possibilities.

 

I know they have tightened the purse strings  .. and I just have not seen enough DP's lately.

Message 18 of 66
Anonymous
Not applicable

Re: Apple Card and NFCU CLIs


@Anonymous wrote: 

... 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 ...


Two nice approvals, @Anonymous, but not surprising with your pristine scores. Smiley Happy Congrats! 

Message 19 of 66
Jordan23ww
Valued Contributor

Re: Apple Card and NFCU CLIs

Thank you for this link! I will check it out!

      


Message 20 of 66
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