Episode 3 in my CLI marathon. Decided that I'd ask for a CLI on my NFCU More Rewards that I just used for the first time in a year, so that I can cash out my orphan points and merge the line into my Flagship. As always with NFCU, it went pending. Looked a few hours later and while the credit line hasn't updated, I have $4000 more in available credit than my credit line minus balance and no HP alerts, so that means a $4000 SP CLI! Will have to wait until tomorrow before it shows up in the app or online next to credit limit.
NFCU uses Equifax FICO 9 so score today is 801, no scoreable inquiries, single digit utilization. Last NFCU internal score a month or so ago when they didn't give me everything I asked for on Flagship was 802 (on scale from 334 to 818) according to the letter. $29,000 on this card and $43,500 on Flagship for a total of $72,500 - just $7500 to go after I combine the cards to max out Flagship. Also have $15,000 CLOC.
Congratulations on your SP CLI!
Congrats!!! Almost there!!
applying for a third card and then eventually rolling them into your flagship would not be easier??? Just curious your thoughts on this. Congrats again!!
@snickerpedia wrote:Congrats!!! Almost there!!
applying for a third card and then eventually rolling them into your flagship would not be easier??? Just curious your thoughts on this. Congrats again!!
Thanks. No, I'm reasonably confident they'll give me another $7500 before the year is over. I can't justify a 3rd card just to basically churn it for a $7500 CLI, especially when I'm finally looking at being under 5/24 again. Pushing a button and telling them what I want is still pretty easy, though. LOL
@K-in-Boston @Haha I see your point!! I wasn't even thinking about the new account side or inquiry ( my downfall)!!
@K-in-Boston wrote:Episode 3 in my CLI marathon. Decided that I'd ask for a CLI on my NFCU More Rewards that I just used for the first time in a year, so that I can cash out my orphan points and merge the line into my Flagship. As always with NFCU, it went pending. Looked a few hours later and while the credit line hasn't updated, I have $4000 more in available credit than my credit line minus balance and no HP alerts, so that means a $4000 SP CLI! Will have to wait until tomorrow before it shows up in the app or online next to credit limit.
NFCU uses Equifax FICO 9 so score today is 801, no scoreable inquiries, single digit utilization. Last NFCU internal score a month or so ago when they didn't give me everything I asked for on Flagship was 802 (on scale from 334 to 818) according to the letter. $29,000 on this card and $43,500 on Flagship for a total of $72,500 - just $7500 to go after I combine the cards to max out Flagship. Also have $15,000 CLOC.
CONGRATS on your CLI!! 👍x4000😉
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