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NFCU CLOC and CLI and 2nd Card ?

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Regular Contributor

NFCU CLOC and CLI and 2nd Card ?

Hi all - I received my 2nd NFCU card yesterday after 91/3 - Flagship 25k. I am debating between apping for the CLOC vs requesting a CLI on my first card (cashrewards SL 3K). Both will be a HP (they tried doing HP for first Cli request but I was frozen). I only want to spend one inq. The CLOC pull would allow me to reuse that pull for an autoloan whereas the CLI wont. Did I just make my own decision? Has anyone heard of someone getting a 2nd card, CLI AND CLOC at around 100 days? Just curious. Low util, no lates or baddies 100k income
EX - TU - EQ FICO8's
Mar-2018 - 550/580/610 -
Jun-2018 - 637/655 /704
09-Sep-2018 - 732 /748/778 - Inqs12mo - 3/3/9
Thanks to you all Smiley Happy
Oldest 12.2yr - AAoA - 30months
NFCU 25k + 3k->9k + 12k ----- USAA/CrapOne - 1.3k --- F-Hut - 0.087k LOL
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10 REPLIES 10
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Regular Contributor

Re: NFCU CLOC and CLI and 2nd Card ?

Answered my own question....approved for CLOC 12k (requested 12k) and CLI 9k (requested 15k) no HPs yet that I can see but will advise as Equifax is undergoing maintenance until the AM.

EX - TU - EQ FICO8's
Mar-2018 - 550/580/610 -
Jun-2018 - 637/655 /704
09-Sep-2018 - 732 /748/778 - Inqs12mo - 3/3/9
Thanks to you all Smiley Happy
Oldest 12.2yr - AAoA - 30months
NFCU 25k + 3k->9k + 12k ----- USAA/CrapOne - 1.3k --- F-Hut - 0.087k LOL
Message 2 of 11
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Senior Contributor

Re: NFCU CLOC and CLI and 2nd Card ?

Congrats on your approval on your second card and nice CLI !!!

 

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 3 of 11
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Community Leader
Mega Contributor

Re: NFCU CLOC and CLI and 2nd Card ?

Congrats, Navy will go far on 100k income lolSmiley Happy EnjoySmiley Happy
Message 4 of 11
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Frequent Contributor

Re: NFCU CLOC and CLI and 2nd Card ?

Congrats!


Message 5 of 11
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Regular Contributor

Re: NFCU CLOC and CLI and 2nd Card ?

Love your sig - how did you make that? I used to think 100k/yr was a lot of money until I moved back to NY...health insurance for a fam of 3, rent in our 2br apartment, food total: $5500mo. Sad when $66,000yr goes towards those 3 things.
EX - TU - EQ FICO8's
Mar-2018 - 550/580/610 -
Jun-2018 - 637/655 /704
09-Sep-2018 - 732 /748/778 - Inqs12mo - 3/3/9
Thanks to you all Smiley Happy
Oldest 12.2yr - AAoA - 30months
NFCU 25k + 3k->9k + 12k ----- USAA/CrapOne - 1.3k --- F-Hut - 0.087k LOL
Message 6 of 11
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Community Leader
Mega Contributor

Re: NFCU CLOC and CLI and 2nd Card ?

Wow, I guess its relative to where you live. Lol, I'd still love that problem but I understand and thanks for sharing. If you would like help on building your siggy I'd recommend pming jago22, he and UncleB helped meSmiley Happy.
Message 7 of 11
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Valued Contributor

Re: NFCU CLOC and CLI and 2nd Card ?

Congrats on the approvals.


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 8 of 11
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Senior Contributor

Re: NFCU CLOC and CLI and 2nd Card ?

Congratulations on the approvals!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

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Established Contributor

Re: NFCU CLOC and CLI and 2nd Card ?

That's great to hear. Congratulations on the credit line increase and CLOC and soon to be car! 🤑

Current Scores & Increase since May 2020:

EX: 701 (+38)| TU: 692 (+32)| EQ: 681 (+36)| TU Fico 9: 704

Next Goal: Min. 700 w/all CRAs

Subsequent Goal: Chase FU

Gardening Until: 06/01/2021| App: 5/26/2020
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