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Founders FCU - CLI APPROVED $10K -> $20K - 10.85 APR - TU HP

purplegurl1920
Valued Member

Founders FCU - CLI APPROVED $10K -> $20K - 10.85 APR - TU HP

I just applied for a CLI, since I've had the Signature Visa Card for almost 3 years now with $10k - 14.85% APR. Today, my credit has improved from when I was approved for the card, I took my chances and requested a CLI and APR reduction. After send an email and being told to apply online, I was able to simply call and get CLI. This took all of 5 minutes, the rep asked me a few identifying questions and we were off to the races. BAM!!

Approved for $20k - 10.85% APR. Rep also stated I could use the same TU HP to get an auto loan within the next 30 days. I am on the market for a car, so this is perfect. I'm so glad I asked if they would be able to do this. Now I'm tossed if I should even attempt to apply to NFCU for my auto loan. I did not have any inquiries on TU, but I just got a 2 for the price of 1. Founders FCU for the win!!!

 

Update:

I called back on Friday and was approved for $90K - 2.49% for 72 months. She said all I had to do was have the Dealership fax the buyers order then I'm good to go. I asked for her the fax number since I'm looking for a Maserati for my 50th Bday on Wed. Founders FCU for the 2 for 1 win!!!

 

Scores: CCT EQ: (05/20) 745, TU: (04/20) 745, EX: (04/20) 739
| Founders FCU: $20,000 | Best Buy: $15,000 | NFCU CLOC: $15,000 | Cap 1 QS: $8,250 | NFCU Cash Rewards: $6,000 | WalMart: $6,000 | FIGFCU: $5,000 | Amazon: $4,120 | Barclay RCI: $2,000 | Barclays NFL Extra Points: $1,000 | Cap One: $1,000 | Home Depot: $500 | VS: $400 | Sam’s Club $100 | Utilization - 5% Short Term Goal - 780 across the board - Gardening until 800
17 REPLIES 17
MyFault
Valued Contributor

Re: Founders FCU - CLI APPROVED $20K - 10.85 APR (Hidden Gem) TU Hard Pull

Congrats on your CLI!



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Message 2 of 18
Rebuild2019
Established Contributor

Re: Founders FCU - CLI APPROVED $20K - 10.85 APR (Hidden Gem) TU Hard Pull

Congratulations. That’s a good CLI and decent APR

CARDS: Discover It | QuickSilver One | Kohl’s | BB&T Spectrum Cash Rewards | BB&T Bright | NFCU CashRewards | NFCU More Rewards | AMEX BCE | Verizon Visa | Wells Fargo Platinum | Amazon Prime | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 3 of 18
gdale6
Moderator

Re: Founders FCU - CLI APPROVED $20K - 10.85 APR (Hidden Gem) TU Hard Pull

Very good, grats to you!
Message 4 of 18
AllZero
Super Contributor

Re: Founders FCU - CLI APPROVED $20K - 10.85 APR (Hidden Gem) TU Hard Pull

Congratulations on your CLI and APR reduction!
Message 5 of 18
aloush11
Regular Contributor

Re: Founders FCU - CLI APPROVED $20K - 10.85 APR (Hidden Gem) TU Hard Pull


@purplegurl1920 wrote:
I just applied to a credit limit increase, I've had the Signature Visa Card for almost 3 years now with $10k - 14.85% APR Today, since my credit has improved from when I was approved for the card, I took my chances and requested a CLI and APR reduction. After send an email and being told to apply online, I was able to simply call and get cli. This took all of 5 minutes, the rep asked me a few identifying questions and we were off to the races. BAM!! Approved for $20k @10.85% APR. She also stated I could use the same TU hard pull to get an auto loan within the next 30 days. I am on the market for a car, so this is perfect. I'm so glad I asked. Now I'm tossed if I should even attempt to apply to NFCU for my auto loan. I did not have any inquiries on TU. Founders FCU for the win!!!

Congrats! 

Do you mind sharing some data points? Is it pretty easy to get approved with prior charge offs?

Message 6 of 18
mrcraft
Valued Contributor

Re: Founders FCU - CLI APPROVED $20K - 10.85 APR (Hidden Gem) TU Hard Pull

Congratulations on your CLI!!






Message 7 of 18
purplegurl1920
Valued Member

Re: Founders FCU - CLI APPROVED $20K - 10.85 APR (Hidden Gem) TU Hard Pull

I don't know. I don't have any baddies. 

Scores: CCT EQ: (05/20) 745, TU: (04/20) 745, EX: (04/20) 739
| Founders FCU: $20,000 | Best Buy: $15,000 | NFCU CLOC: $15,000 | Cap 1 QS: $8,250 | NFCU Cash Rewards: $6,000 | WalMart: $6,000 | FIGFCU: $5,000 | Amazon: $4,120 | Barclay RCI: $2,000 | Barclays NFL Extra Points: $1,000 | Cap One: $1,000 | Home Depot: $500 | VS: $400 | Sam’s Club $100 | Utilization - 5% Short Term Goal - 780 across the board - Gardening until 800
Message 8 of 18
PandaGirl77
New Contributor

Re: Founders FCU - CLI APPROVED $20K - 10.85 APR (Hidden Gem) TU Hard Pull

Congratulations! Sounds like a goal card for sure!

Message 9 of 18
M_Smart007
Epic Contributor

Re: Founders FCU - CLI APPROVED $20K - 10.85 APR (Hidden Gem) TU Hard Pull

Congratulations! ..

Message 10 of 18
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