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NFCU Flagship VS 3rd CLI

benreily
Established Contributor

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.

Starting Score: (Nov 2013) EQ 650, EXP 750, TU 750
Score: (Dec 16, 2017)EQ > 720, EXP ?, TU > 730
From myfico.com EQ Score: (Nov 8rd, 2021) From myfico.com EQ Fico 8 795, Fico 9 806 | TU Fico 8 820, Fico 9 823 | (from experian) EX Fico 8 782, Fico 9 804
Oct 2021 AoOA 19 years, 6 months, AAoA 6 years, 11 months



Message 11 of 25
SG43
Valued Member

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, Cap1 Auto
Closed Installments - Chase Auto, Prosperity Bank
Closed Revolvers - Nfcu Plat, Citi Simp, Citi DC, Citi DP, Cap1 Plat, Cap1 V1, Chase FU, First Premier
Message 12 of 25
PullingMeSoftly
Established Contributor

Re: NFCU Flagship VS 3rd CLI

Sweet, congrats, right on schedule!









Message 13 of 25
PullingMeSoftly
Established 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
Epic Contributor

Re: NFCU Flagship VS 3rd CLI

Congratulations on your Navy Flagship CLISmiley Happy

Message 15 of 25
benreily
Established 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.

 

 


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?

 

 

Starting Score: (Nov 2013) EQ 650, EXP 750, TU 750
Score: (Dec 16, 2017)EQ > 720, EXP ?, TU > 730
From myfico.com EQ Score: (Nov 8rd, 2021) From myfico.com EQ Fico 8 795, Fico 9 806 | TU Fico 8 820, Fico 9 823 | (from experian) EX Fico 8 782, Fico 9 804
Oct 2021 AoOA 19 years, 6 months, AAoA 6 years, 11 months



Message 16 of 25
FalconSteve
Valued Contributor

Re: NFCU Flagship VS 3rd CLI

Congrats

SoFi World Elite MC (TBOM) $7000 SL
REDcard (TD Bank) $2500 SL
AmEx Cash Magnet $10k SL, CLI after 36hr to $20k- $30k CL
BB&T/Truist Rewards $11k SL- impulse application
BB&T/Truist Rewards $11k SL- AU, not on reports- impulse app (wife's card)
Discover $8800 CL- $1k SL- AU, no longer on reports b/c of error (wife's card)
Citi Double Cash WEMC $8400 CL- AU- (wife's card)
AmEx Cash Magnet $27,900 CL (wife's card)
BoA Premium Rewards $12.3k CL- AU (Dad's card)
Wells Fargo Propel AmEx $3200 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU)

Credit Scores for both of us around 800, depending on what you pull & balances. All PIF, frequently before statement close

Closed accounts: AmEx clear, Citi ThankYou (previously Driver's Edge), Chase Freedom, Cap One, Discover IT, Lowes, 1st REDcard, Buy.com Visa, Children's Place, Kohl's, Angel Card (AU- wife's), Old Navy, Wells Fargo Active Cash (2%)- $2k SL- AU (wife's card), PSECU Founder's Card $30k SL- AU (Dad's card), BoA Cash Rewards $11k CL- AU (Dad's card)
Message 17 of 25
Total80sKid
Senior Contributor

Re: NFCU Flagship VS 3rd CLI

Congrats on your Flagship CLI 👍🏼

Message 18 of 25
squarebasketball
Frequent Contributor

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
Valued Member

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, Cap1 Auto
Closed Installments - Chase Auto, Prosperity Bank
Closed Revolvers - Nfcu Plat, Citi Simp, Citi DC, Citi DP, Cap1 Plat, Cap1 V1, Chase FU, First Premier
Message 20 of 25
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