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NFCU Flagship VS 3rd CLI

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Anonymous
Not applicable

Re: NFCU Flagship VS 3rd CLI

Congrats for your $8000 CLI. I read your other post regarding 190 days and 6th statement. Wow, something new to learn. They denied your but 7 days later they approved you and you are still gettting the late denied letter from the first CLI. lol. You can frame that letter for a reminder. That's amazing for your credit journey story.

Message 11 of 25
SG43
Regular Contributor

Re: NFCU Flagship VS 3rd CLI

I actually requested the increase every day after hitting my 6th statement and it was about 8-9 days later that I saw the available balance go up. The limit didn't show the increase until I recieved the approval email.


during that time I accrued at least 10-12 denials. Lol.

 

 



Open Installments - Nfcu Auto (51% Left)
Closed Installments - Cap 1 Auto, Chase Auto, Prosperity Bank Secured
Closed Revolvers - Nfcu Plat V, NFCU Plat MC, Citi Simp, Citi DC, Citi DP, Cap1 Plat, Cap1 V1, Chase FU, First Premier, Capital1 Quicksilver, BBVA/PNC Points, Apple Card GS, Discover IT
Closed Busi - Amex BBC & BBP (Chopping block: Amex Prime, Sapphire Reserve [pyb changes])
Message 12 of 25
PullingMeSoftly
Valued Contributor

Re: NFCU Flagship VS 3rd CLI

Sweet, congrats, right on schedule!






Message 13 of 25
PullingMeSoftly
Valued Contributor

Re: NFCU Flagship VS 3rd CLI


@SG43 wrote:

I actually requested the increase every day after hitting my 6th statement and it was about 8-9 days later that I saw the available balance go up. The limit didn't show the increase until I recieved the approval email.


during that time I accrued at least 10-12 denials. Lol.


Didn't realize that could be done, I always thought I'd piss off someone in UW, but makes sense if denials for insufficient time since last increase are auto.






Message 14 of 25
M_Smart007
Legendary Contributor

Re: NFCU Flagship VS 3rd CLI

Congratulations on your Navy Flagship CLISmiley Happy

Message 15 of 25
Anonymous
Not applicable

Re: NFCU Flagship VS 3rd CLI


@SG43 wrote:

I actually requested the increase every day after hitting my 6th statement and it was about 8-9 days later that I saw the available balance go up. The limit didn't show the increase until I recieved the approval email.


during that time I accrued at least 10-12 denials. Lol.

 

 


For real. lol, that's funny. I guess I could give a try on my Flagship and Platinum. I never ask CLI for either one of them ever. The Amex More Reward was given auto cli so I have to wait for another 2+ months or 3 months from now. If I am being denied, I am hoping to receive a letter showing my internal score with them. Right now requesting for Navy Platinum.


Current Credit Limit

$25,000.00
Requested Credit Limit: $33,000.00

 

It is in pending right now. That's normal right?

 

 

Message 16 of 25
FalconSteve
Valued Contributor

Re: NFCU Flagship VS 3rd CLI

Congrats

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800 CL- AU, wife
3/9/20 Truist Rewards $11k SL- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC (TBOM) $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8 CL
8/2/23 Discover $8k SL
Message 17 of 25
Total80sKid
Senior Contributor

Re: NFCU Flagship VS 3rd CLI

Congrats on your Flagship CLI 👍🏼

Message 18 of 25
Anonymous
Not applicable

Re: NFCU Flagship VS 3rd CLI

seeing your approvals reminds me that i need to close my navy fed card after i redeem my rewards lol

Message 19 of 25
SG43
Regular Contributor

Re: NFCU Flagship VS 3rd CLI

Yeah totally not kidding. Pretty sure this is an automated process with canned response. So as far as the 180-190 day wait goes, I'd lean towards the 190 as accurate.

 

4F18BB69-F692-4A54-92BB-914950041CCE.jpeg

 



Open Installments - Nfcu Auto (51% Left)
Closed Installments - Cap 1 Auto, Chase Auto, Prosperity Bank Secured
Closed Revolvers - Nfcu Plat V, NFCU Plat MC, Citi Simp, Citi DC, Citi DP, Cap1 Plat, Cap1 V1, Chase FU, First Premier, Capital1 Quicksilver, BBVA/PNC Points, Apple Card GS, Discover IT
Closed Busi - Amex BBC & BBP (Chopping block: Amex Prime, Sapphire Reserve [pyb changes])
Message 20 of 25
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