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NFCU CLI DECLINED: First Navy Setback (NOW Approved!)

Wavester64
Valued Contributor

Re: NFCU CLI DECLINED: First Navy Setback


@OmarGB9 wrote:

Sorry for the decline. Keep us updated when you receive the letter. Also, I think they use TU9 now for CLI, as well as all credit products.


Thanks @OmarGB9  - can anyone else confirm this?







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Message 11 of 26
Mr_Mojo_Risin
Valued Contributor

Re: NFCU CLI DECLINED: First Navy Setback


@Wavester64 wrote:

@OmarGB9 wrote:

Sorry for the decline. Keep us updated when you receive the letter. Also, I think they use TU9 now for CLI, as well as all credit products.


Thanks @OmarGB9  - can anyone else confirm this?


I've been hearing the same here on myFICO. A lot of members have been saying they switched over to TU back around November.

I've had a few CLI's since then but have no idea what they looked at.

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Message 12 of 26
Wavester64
Valued Contributor

Re: NFCU CLI DECLINED: First Navy Setback (NOW Approved!)


@Wavester64 wrote:

@Duke_Nukem wrote:

Sorry for the decline, @Wavester64 .

 

On the bright side, if you tried on day 181... then you still may be in luck.  Due to the delays in approving CLI requests last Summer (remember they were taking around 3 days to approve), I'm willing to bet you applied "too early".  If your letter states the denial due to a recent CLI occurred, then try again.

 

It may be best to apply 185 days since last CLI, because it looks like they are counting from the day of approval instead of the day we asked for the CLI.


Looks like you may be correct. I just got the AA letter today, and it was one simple line for reason:

 

"There has recently been a change to the credit line on this account"


@Duke_Nukem Looks like you were VERY right!

 

I resubmitted this morning, and this is what I see now 

 

so_right.JPG

 

Not sure why it still says $3K, but its moving in the right direction!

 

Thanks for the tip!  Smiley HappySmiley Happy







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Message 13 of 26
AllZero
Super Contributor

Re: NFCU CLI DECLINED: First Navy Setback (NOW Approved!)


@Wavester64 wrote:

@Wavester64 wrote:

@Duke_Nukem wrote:

Sorry for the decline, @Wavester64 .

 

On the bright side, if you tried on day 181... then you still may be in luck.  Due to the delays in approving CLI requests last Summer (remember they were taking around 3 days to approve), I'm willing to bet you applied "too early".  If your letter states the denial due to a recent CLI occurred, then try again.

 

It may be best to apply 185 days since last CLI, because it looks like they are counting from the day of approval instead of the day we asked for the CLI.


Looks like you may be correct. I just got the AA letter today, and it was one simple line for reason:

 

"There has recently been a change to the credit line on this account"


@Duke_Nukem Looks like you were VERY right!

 

I resubmitted this morning, and this is what I see now 

 

so_right.JPG

 

Not sure why it still says $3K, but its moving in the right direction!

 

Thanks for the tip!  Smiley HappySmiley Happy


Congratulations on your CLI!

Message 14 of 26
Mr_Mojo_Risin
Valued Contributor

Re: NFCU CLI DECLINED: First Navy Setback (NOW Approved!)


@Wavester64 wrote:

@Wavester64 wrote:

@Duke_Nukem wrote:

Sorry for the decline, @Wavester64 .

 

On the bright side, if you tried on day 181... then you still may be in luck.  Due to the delays in approving CLI requests last Summer (remember they were taking around 3 days to approve), I'm willing to bet you applied "too early".  If your letter states the denial due to a recent CLI occurred, then try again.

 

It may be best to apply 185 days since last CLI, because it looks like they are counting from the day of approval instead of the day we asked for the CLI.


Looks like you may be correct. I just got the AA letter today, and it was one simple line for reason:

 

"There has recently been a change to the credit line on this account"


@Duke_Nukem Looks like you were VERY right!

 

I resubmitted this morning, and this is what I see now 

 

so_right.JPG

 

Not sure why it still says $3K, but its moving in the right direction!

 

Thanks for the tip!  Smiley HappySmiley Happy


There it is! Congrats on your CLI!

Mark your calendar for 185 days to be safe next time! 

NFCU More Rewards 24K CL
AODFCU Visa Signature 5K CL
NFCU Cash Rewards 4K CL
Discover IT 1.5K CL
Cap1 Quicksilver 600 CL
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Message 15 of 26
Curious_George2
Established Contributor

Re: NFCU CLI DECLINED: First Navy Setback (NOW Approved!)


@Wavester64 wrote:

@Wavester64 wrote:

@Duke_Nukem wrote:

Sorry for the decline, @Wavester64 .

 

On the bright side, if you tried on day 181... then you still may be in luck.  Due to the delays in approving CLI requests last Summer (remember they were taking around 3 days to approve), I'm willing to bet you applied "too early".  If your letter states the denial due to a recent CLI occurred, then try again.

 

It may be best to apply 185 days since last CLI, because it looks like they are counting from the day of approval instead of the day we asked for the CLI.


Looks like you may be correct. I just got the AA letter today, and it was one simple line for reason:

 

"There has recently been a change to the credit line on this account"


@Duke_Nukem Looks like you were VERY right!

 

I resubmitted this morning, and this is what I see now 

 

so_right.JPG

 

Not sure why it still says $3K, but its moving in the right direction!

 

Thanks for the tip!  Smiley HappySmiley Happy


Alright! You got the COVID era maximum, $4k. Congrats! Glad it was just a timing hiccup. 


Message 16 of 26
Duke_Nukem
Frequent Contributor

Re: NFCU CLI DECLINED: First Navy Setback (NOW Approved!)


@Wavester64 wrote:

@Wavester64 wrote:

@Duke_Nukem wrote:

Sorry for the decline, @Wavester64 .

 

On the bright side, if you tried on day 181... then you still may be in luck.  Due to the delays in approving CLI requests last Summer (remember they were taking around 3 days to approve), I'm willing to bet you applied "too early".  If your letter states the denial due to a recent CLI occurred, then try again.

 

It may be best to apply 185 days since last CLI, because it looks like they are counting from the day of approval instead of the day we asked for the CLI.


Looks like you may be correct. I just got the AA letter today, and it was one simple line for reason:

 

"There has recently been a change to the credit line on this account"


@Duke_Nukem Looks like you were VERY right!

 

I resubmitted this morning, and this is what I see now 

 

so_right.JPG

 

Not sure why it still says $3K, but its moving in the right direction!

 

Thanks for the tip!  Smiley HappySmiley Happy


WOOHOO!!!  Congrats, @Wavester64 !  We should be getting back to the standard 181 time period around May or June since Navy appears to be back on track with CLI approvals.  But it may not hurt to extend that out to 183 or 185 just to be on the safe side.  Not sure we MF'rs can wait that long with our itchy trigger fingers! Smiley Very Happy


Message 17 of 26
JoeLuvsHisCredit
Valued Contributor

Re: NFCU CLI DECLINED: First Navy Setback (NOW Approved!)

Congratulations 

Message 18 of 26
OmarGB9
Community Leader
Super Contributor

Re: NFCU CLI DECLINED: First Navy Setback (NOW Approved!)

Congrats on the increase!


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Message 19 of 26
cashorcharge
Valued Contributor

Re: NFCU CLI DECLINED: First Navy Setback (NOW Approved!)

That's terrific!  Congratulations on your eventual CLI approval!! 🎉🥂

Message 20 of 26
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