NFCU More Rewards CLI

[Credit4Growth]

@shane1978 

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@shane1978 wrote:

Does Navy give any notice if it will be a soft pull vs. hard pull?  Or, is it a roll of the dice?

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I have only once heard of never read that Navy will give a heads up.   I was given a heads up on the phone with a CSR that would let me know ifif a HP will be needed.  That was on August 2nd. So I went ahead with the initial SP CLI attempt just because and would have declined authorizing a HP.   I had requested only 3.1K because the max lately has been reported as 4K.  I may be weird but having a card w@ 23.1K has more of an intrinsic value to me than having a CC at 24K - hence my request of only a 3.1K increase. 

Having read through the Navy threads completely, i domt think anyone will say Navy gives a heads up.

Expect a hard pull for everything and be happy/surprised to get only a soft pull.

P.s.  apply online for a CLI ... rather than call.  My call to them initially was only to inform/preapprove them/their fraud department I would be making a 5 figure purchase, which would be way out of my normal spending.  I did not want them to decline the transaction, not even once.

[mchang124]

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@shane1978 wrote:

Does Navy give any notice if it will be a soft pull vs. hard pull?  Or, is it a roll of the dice?

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from all the DP that are floating around right now, its all still SP by online request. If you call in, it MAY be a HP but you can ask your CSR if it will be a SP or a HP.

[Anonymous]

Congrats on the CLI! I’m just now trying on my cashRewards Card that’s been open since November. Didn’t want to chance a HP before closing on a house (which happened July 1)

[CreditAggie]

Congratulations on your NFCU More Rewards CLI!

[OmarGB9]

Congrats!

[gdale6]

Grats on your More CLI

[M_Smart007]

Congrats! ..