NFCU Cash Rewards Approval + More Rewards CLI Pending

[GatorGuy]

Congrats on your solid approval and good luck with the CLI!

[CreditAggie]

Congratulations on your NFCU Cash Rewards approval!

[keekers]

Update on the CLI request...I had to call in to activate my new Cash Rewards card for Apple Pay and I asked the rep about my CLI request...it was denied.  He mentioned that he couldn't see the reason why but the letter was coming in the mail.  He also mentioned that if the reason was due to having an existing balance on my card (I have ~$400 currently out of a $25K limit; I didn't think that was a big deal) I could pay off the balance and send a message asking for a reconsideration.  Waiting on the letter to see what the reason for denial was.  I'll update once again once I get it.  As a side note, how often can you request a CLI after a denial with NFCU?

[800wannabe420]

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@keekers wrote:

Update on the CLI request...I had to call in to activate my new Cash Rewards card for Apple Pay and I asked the rep about my CLI request...it was denied.  He mentioned that he couldn't see the reason why but the letter was coming in the mail.  He also mentioned that if the reason was due to having an existing balance on my card (I have ~$400 currently out of a $25K limit; I didn't think that was a big deal) I could pay off the balance and send a message asking for a reconsideration.  Waiting on the letter to see what the reason for denial was.  I'll update once again once I get it.  As a side note, how often can you request a CLI after a denial with NFCU?

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@keekers 

I am thinking you might be at NFCU's internal max limit that they are comfortable with (at this time).

You doubled your unsecured limit from 25K to 50K after only having the More Rewards for around 100 days. 

The good news is your max limit will increase over time with responsible use. 

NFCU is truly a relationship bank and I feel confident that in another 6 months or so your CLI  request could be successful baring a downward turn of your credit profile. 

I don't think there is any time limit between requesting a CLI after a denial but if you have bumped up against your max limit,  I would wait at least 6 months or so before requesting again. 

Congrats on the new card!!!

Navy must really like something they see to hand out two 25K SLs!!!

[keekers]

You nailed it, @800wannabe420. I got the letter in the mail today that basically said as much. I really can't complain.