What a GREAT DAY!!! Wake up to find my Experian score had jump from 664 to 690! That puts my scores at 699. 710, & 690. So I decide to apply for the NFCU Go Rewards card, approved for $4200. Feels so good!
What is NFCU's policy on CLI's, 6 months? a year? 90 days?
Also, sorry if this is a stupid question, but what does CLOC stand for?
When applying for the CLOC, should I ask for max and let them counter? Or is there a counter, meaning if I ask for too much is it just a flat yes or no?
It is to my understanding you request max and they will counter with the best offer. It will be another HP. The only time I have read about a combined HP is if its CLOC/Auto but even then rule of thumb with NFCU is expect a HP for anything including CLI. I'm sure someone with more knowledge and experience will follow up with more info!
*edit - Congrats on your approval!
For CLOC the max is 15k, I would ask for that. I made the mistake of asking for 7k because I wasn't super confident. I ended up turning around and asking for 15k and was approved but it took an extra week to get the whole thing done.