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NFCU CLI!!!!!

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CWESTL
Regular Contributor

NFCU CLI!!!!!

I contacted NFCU last night to inquire about a CLI on my Cash Rewards CC. My original CL on this card was $2k. After a few questions I was given a CLI of $12k which raises my total CL to $14k. I've had this card for approximately 7 months (6 statements) and the CLI did NOT require a HP of my credit. My usage on the Cash Rewards card has ranged from $400 to $1250 monthly and I always PIF. NFCU is an awesome lender that recognizes responsible card usage.  

Chapter 7 Discharge Aug 2013 (Removed 2022 & 2023)
Jan 2024 EQ FICO 8 840
Jan 2024 TU FICO 8 779
Jan 2024 EX FICO 8 788
Jan 2024 EQ FICO 9 824 AMEX Cash Magnet $26K; AMEX Platinum NPSL, POT $27.5K; Cap One QS World MC $11k; Cap One Venture Sign VS $30k; Chase Sapphire Pref $18K; Citi Simplicity $7K; NFCU AMEX Rwds $28k; NFCU VS Sign Cash Rwds $24.1k; NFCU Plat VS $19k; Wells Fargo Reflect $25K; Mercury (previously Barclay Rwds MC) $5750k; Lowes $35k; Neiman Marcus $44k; Discover It $11.5k; Discover It $19.5K; Venmo Visa Sign $20K; Barclaycard (AU) $25.5K; Discover (AU) $19.5k New Mortgage Jan 2016 & Nonreaffirmed Mortgage Refinance Nov 2020; HELOC @ 2.75% Apr 2022; New Auto July 2017; NFCU LOC $20K
GOAL 820 FICOs on ALL 3 CRs by JANUARY 2025.
AMEX Lowes Business $25K
AMEX Business LOC $25K
Chase Ink Business Unlimited $26.5K; US Bank Business Platinum $10K
Message 1 of 13
12 REPLIES 12
Anonymous
Not applicable

Re: NFCU CLI!!!!!

Awesome CLI. Congrats!
Message 2 of 13
coldnmn
Mega Contributor

Re: NFCU CLI!!!!!

Congrats! Thanks for sharing.

 

 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 3 of 13
CreditMagic7
Mega Contributor

Re: NFCU CLI!!!!!

You can betcha' Creditaddict will like to weigh in on this.

 

NFCU is really got it going on for many.

 

Congrats! on a really nice CLI!!! Smiley Happy

Message 4 of 13
b_diddy
Established Contributor

Re: NFCU CLI!!!!!

Excellent. Congrats!

FICO Scores: EX 733 (1/17/15) EQ 761 (1/17/15) TU 750 (1/17/15)
     
      
Message 5 of 13
BarryNTexas
Established Contributor

Re: NFCU CLI!!!!!

Congrats on the increase!  And yes CA will likely weigh in on this one... perhaps you left $$$ on the table.  

 

Luv NFCU - so far.

DC Prem 20K | DC Elite 20K | PenFed Visa 25K | NFCU Sig Visa 25K | NFCU Flagship 25K | AMEX Delta 25K & SPG 15K
RBFCU MC 20K | Barclay's RMC 11.5K & Ring 22K | Chase United 30K | Chase Hyatt 8K | Citi AA 15K | Citi DC 15K
Discover it® 27K | JCPenney MC 22K | Home Depot $9K
EX/796 EQ/794 TU/802 GOAL: Break 800
Message 6 of 13
FocusedAndDetermined
Senior Contributor

Re: NFCU CLI!!!!!

Awesome - congrats!!

Message 7 of 13
alvon123
Super Contributor

Re: NFCU CLI!!!!!

congrats


Message 8 of 13
CWESTL
Regular Contributor

Re: NFCU CLI!!!!!

Thanks everyone. This forum has been extremely helpful in the navigation of my patient and measured credit rebuild. My goal now is to display the same usage and payment patterns that proved successful with Cap One and NFCU on my newest CC (Barclay Rewards MC). I don't plan to apply for any other possible CC's until my scores are 720 or above and all the baddies other than the Chap 7 BK D/C have fallen off my CR..

Chapter 7 Discharge Aug 2013 (Removed 2022 & 2023)
Jan 2024 EQ FICO 8 840
Jan 2024 TU FICO 8 779
Jan 2024 EX FICO 8 788
Jan 2024 EQ FICO 9 824 AMEX Cash Magnet $26K; AMEX Platinum NPSL, POT $27.5K; Cap One QS World MC $11k; Cap One Venture Sign VS $30k; Chase Sapphire Pref $18K; Citi Simplicity $7K; NFCU AMEX Rwds $28k; NFCU VS Sign Cash Rwds $24.1k; NFCU Plat VS $19k; Wells Fargo Reflect $25K; Mercury (previously Barclay Rwds MC) $5750k; Lowes $35k; Neiman Marcus $44k; Discover It $11.5k; Discover It $19.5K; Venmo Visa Sign $20K; Barclaycard (AU) $25.5K; Discover (AU) $19.5k New Mortgage Jan 2016 & Nonreaffirmed Mortgage Refinance Nov 2020; HELOC @ 2.75% Apr 2022; New Auto July 2017; NFCU LOC $20K
GOAL 820 FICOs on ALL 3 CRs by JANUARY 2025.
AMEX Lowes Business $25K
AMEX Business LOC $25K
Chase Ink Business Unlimited $26.5K; US Bank Business Platinum $10K
Message 9 of 13
MissMoni223
Senior Contributor

Re: NFCU CLI!!!!!

CONGRATS on your CLI!!!

Gardening Until Further Notice
15 Credit Cards (12 Major Banks & 3 Store Cards)
Message 10 of 13
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