Just sharing my stats for approval since there’s been a lot of info about NFCU leaning towards a 6 month CLI.
Whole description as follows
8/30 cash rewards approval $500 limit. Credit score was low 600 they pulled my TU. Didn’t use the card for two weeks had trouble navigating the app and I have no NFCU near me. I didn’t realize my statement cut on the 15th. First statement posted a 416 balance immediately PIF. Second statement $0. Third statement $328 credit because once again the app didn’t show a pending payment and I got nervous so I paid it twice. Yeah total amateur moves here.
So fast forward to today. I was up late last night and remembered it was my 91 I decided to request CLI. I didn’t see a max button so I just put in $25k like some suggested and I immediately got the dreaded review. Went to sleep thinking maybe I should send a message but just wanted to let it play out. Woke up with no notifications but my available balance was now $1k higher. So cash rewards limit now $1500. No emails or notifications no HP notifications either.
Decided to go big or go home. Went for second card. Applied through the app and saw the AMEX more rewards.
APPROVED $15k.
TU on NFCU 597. 4 collections all paid as of 11/05. Tons of inquiries due to home purchase 10/30 and from auto inquiries last week!
I have no idea what else to say here. This is my first AMEX and my utilization for this month I did try to go AZEO. I graduated from discover it with no increase and my $2500 deposit is getting sent back. So idk how all of that comes into play.
Thought I’d give my stats and thanks to this community!
Just so you know the MR runs on the Amex network but not a true "Amex" so to speak. Found that out myself a while back. To get in with the Amex family of cards check out the legacy and co-branded offerings like the Delta and Hilton cards on the actual Amex site. They have a Prequal app also.