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NFCU Approval

azfitz11
New Contributor

NFCU Approval

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?

Message 1 of 17
16 REPLIES 16
AllCredit
Frequent Contributor

Re: NFCU Approval

Congrats on the approval!!

Message 2 of 17
Curious0ne
New Contributor

Re: NFCU Approval

CLI's are now every 6 months. Congrats on your approval!

Message 3 of 17
azfitz11
New Contributor

Re: NFCU Approval

Thanks! 

Message 4 of 17
thorshammer
Established Contributor

Re: NFCU Approval

Checking linr of credit...cloc
eq 757 ex 762 tu 763 Chase Amazon 5000 citi double cash 4300 Citi TYP 8100 Cap1 Quicksilver Visa Sig 10000 Walmart MasterCard 6600 Big Sandys 4000 Best Buy 5100 LLbean 2300 Cashforward 17500 Sam's Club 10000 Discover Card 10000 bluecash 5800 everyday 10000 boa americard 20300 boa cash rewards 7000 marvel 10000
Message 5 of 17
azfitz11
New Contributor

Re: NFCU Approval

Thanks Thorshammer! LOL that was driving me crazy

Message 6 of 17
peghede
Valued Contributor

Re: NFCU Approval

Every day "you wake up is a GREAT DAY!!! (Some ppl didn't wake up )

Oh congrats on your approval m8

Message 7 of 17
azfitz11
New Contributor

Re: NFCU Approval

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?

Message 8 of 17
Ohsnaps
Contributor

Re: NFCU Approval

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!

Amex ED 1k, Amex BC 500, Disco IT 2.5k Cap1 QS 1.5k, Cap1 500, Credit1 400, NFCU 18k, Walmart 5k Amazon 5k (Both Sync)
FBNO Jeep 1k, 2018 Jeep Lease




Fico 8 EX 688 TU 692 EQ 654? 9/26
Message 9 of 17
workingfor850
Valued Contributor

Re: NFCU 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.

Message 10 of 17
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