NFCU CLI cashRewards

Anonymous · ‎07-12-2020

Funny story behind this card, I didn't need to get a secured card.. but I did because I wanted to use that to force myself to garden and it worked! I already have a More Rewards Amex with a $7k limit that is 10 months old. I graduated in June, got my $200 deposit back, limit was increased to $2,000. I decided to let another statement cut before asking for a CLI. I was skeptical because last week, I asked for a CLI for my Amex from $3,000 to $15,000 but it was countered with $7,000 with the letter stating i've reached their maximum unsecured limit. I was bummed out, but I saw others getting a minimum of $500, and seeing that it's a soft pull- I said why not.

It went into review Friday night, I cringed and said "whelp, I gave it my best". Didn't hear anything, no emails or anything.. logged in to check my checking account balance and decided to take a glimpse at my credit limit on the cashRewards card and I be danged.. they increased it to what I asked.. I kinda feel bad for not asking for more? I know shoot for the sky, but seeing my above statement- I was hesitant. Heck, I was afraid of getting shut down lol. They increased me to my full request of $5,000. I should be getting my Signature card in the mail soon. I'm also syked because this is right before my report updates!

So there you have it. I opened a secured card to garden, made the minimum $200 deposit, waited a month (5 total thus far) after I got the auto increase to $2,000, month 7 I asked for $3,000 more and got it. I'm not sure if it has anything to do with me carrying a large amount of my money in their flagship checking, share savings and interest savings accounts (~$80k). I also have around $10k in certificates.

CreditAggie · ‎07-12-2020

Congratulations on your NFCU Cash Rewards CLI!

Current Cards (in order of approval):

Current FICO 8 | 9 (April 2024):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

AllZero · ‎07-12-2020

Congratulations on your CLI!

MisterWives · ‎07-12-2020

Congrats nice score too!

Discover IT Chrome $8,550 | Opened 9/2017 | 2% Restaurant & Gas / 1% Everything

Best Buy Store Card $10,000 | Opened 11/2018

Amazon Store Card $10,000 | Opened 12/2018 | 5% Amazon Purchases (Requires Prime)

PNC Cash Reward Visa $10,500 | Opened 12/2018 | 4% Gas / 3% Restaurant / 2% Grocery / 1% Everything

Chase Freedom $5,200 | Opened 1/2019 | 5% Category Rotation

Amex Blue Cash Everyday $5,000 | Opened 4/2019 | 3% Grocery / 2% Gas / 1% Everything

Banana Republic $10,000 | Opened 6/2019 | Banana Republic 5x pts per $1 / Everything 1x pt per $1

Costco Anywhere Visa $10,000 | Opened 7/2019 | 4% Gas / 3% Restaurant / 2% Costco & Grocery / 1% Everything

Citi Rewards+ $2,000 | Opened 8/2019 | 2x pts Grocery & Gas | 1x pts Everything

BB&T Rewards $4,500 | Opened 8/2019 | 3% Gas / 2% Utilities & Grocery / 1% Everything

PNC Points Visa $1,800 | Opened 8/2019 (PC in 2020) | 4pts per $1

Home Depot Store Card $5,001 | Opened 10/2019

Discover IT $14,500 | Opened 11/2019 | 5% Category Rotation

Synchrony Mastercard $7,500 | Opened 12/2019 | 2% Everything

Capital One Quicksilver $1,000 | Opened 12/2019 (PC in 2020) | 1.5% Everything

Wells Fargo Platinum Visa $6,500 | Opened 4/2020 | No Rewards

Ulta Mastercard $4,900 | Opened 6/2020 | Ulta 1x pt per $1 / Everything 1x pt per $3

Amex Hilton Honors $6,000 | Opened 6/2020 | 7x pts Hilton / 5x pts Restaurants & Gas & Grocery / 3pts Everything

PSECU $10,000 | Opened 6/2020 | 1.5% Everything (2% with Checking and Deposits)

First National Bank of Omaha Platinum Visa $15,000 | Opened 10/2020 | No Rewards

Apple Card $5,000 | Opened 1/2021 | 3% Apple / 2% Apple Pay / 1% Everything

Venmo Credit Card $7,000 | Opened 1/2021 | 3% Category / 2% Category

PenFed Power Cash Rewards Visa $17,500 | Opened 1/2021 | 1.5% Everything(2% with Checking)

Citi Custom Cash $5,000 | Opened 5/2022 | 5% Category

Wants: PenFed Pathfinder Rewards(4x pts travel), PenFed Platinum Rewards Visa Signature (5pts Gas, 3pts Restaurants and Grocery), U.S. Bank Cash+ (5% Categories), Chase Freedom Flex (5% Rotating Categories, 5% Travel, 3% Restaurants)

lhcole77 · ‎07-12-2020

Congrats @Anonymous . Me love me some NAVY.

If you don't mind me asking, what happened in January 2020 to drop your score to 593? And then how did it shoot up to 787?

MisterWives · ‎07-12-2020

@lhcole77 wrote:
Congrats @Anonymous . Me love me some NAVY.

If you don't mind me asking, what happened in January 2020 to drop your score to 593? And then how did it shoot up to 787?

Didn't see that until you mentioned it would be interesting to find out myself too especially since it was only a month of time hope OP answers.

Wants: PenFed Pathfinder Rewards(4x pts travel), PenFed Platinum Rewards Visa Signature (5pts Gas, 3pts Restaurants and Grocery), U.S. Bank Cash+ (5% Categories), Chase Freedom Flex (5% Rotating Categories, 5% Travel, 3% Restaurants)

Anonymous · ‎07-12-2020

@lhcole77 wrote:
Congrats @Anonymous . Me love me some NAVY.

If you don't mind me asking, what happened in January 2020 to drop your score to 593? And then how did it shoot up to 787?

Great question! Before I dropped down to my current 13 accounts, I had multiple AU accounts. I submitted documentation and after 30-60 days, they were removed from all CRA's. Two of the cards were at 99% utlz and 87% (so 99%).

At first, I thought having AU's would help, but it was actually hurting me.. especially with the account owner maxing out their cards. In January, I was like.. enough.. and put an end to it.

Anonymous · ‎07-12-2020

Once I figure out this code stuff, I will create my signature to showcase my 'collection' as I call it hehe.

M_Smart007 · ‎07-12-2020

Congratulations on your Increase!!!

MisterWives · ‎07-12-2020

@Anonymous wrote:
Once I figure out this code stuff, I will create my signature to showcase my 'collection' as I call it hehe.

This is the megathread walkthrough: https://ficoforums.myfico.com/t5/SmorgasBoard/THIS-IS-HOW-YOU-ADD-CREDIT-CARD-PICS-TO-YOUR-PROFILE/td-p/2262839

This is the short version: https://ficoforums.myfico.com/t5/SmorgasBoard/Signature/td-p/5445341

Essentially the template is:

<img src="[REPLAC-WITH-IMAGE-HOSTING-LINK-INCLUDING-THE-BRACKETS].png" title="[TEXT-THAT-SHOWS-WHEN-HOVERING-OVER-IMAGE-REPLACE-INCLUDING-THE-BRACKETS]" height="50" width="70">

Should look like:

<img src="imgur.com/fdg564dfg.png" title="Amex Gold NPSL $4,500" height="50" width="70">

I recommend using Imgur for uploading credit card pictures then copy and paste the link in between the quotating marks " ". For title if you hover over my credit cards in the sig that is what you will see when you put something in title I had to hard code each of them by typing it in between those quotation marks " ". Height and width should be self explanatory basically the yare the size of the credit card image or whatever image you uploaded.

Wants: PenFed Pathfinder Rewards(4x pts travel), PenFed Platinum Rewards Visa Signature (5pts Gas, 3pts Restaurants and Grocery), U.S. Bank Cash+ (5% Categories), Chase Freedom Flex (5% Rotating Categories, 5% Travel, 3% Restaurants)