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NFCU SP CLI with 99% Utilization - WOW!

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NFCU SP CLI with 99% Utilization - WOW!

I transferred everything I could over to my 2 NFCU cards at the start of the month for the 1.99% since my 0% was ending this month on some that I was carrying and rest was on PF Promise @ 4.99%.  I transferred over $3500 to my CR, which puts it at $3470 of $3500 and then $19650 to my Platinum which puts it at that of $19800.  So 99% on both cards.  Intentions of paying off the CR and more than half of the Platinum any day now (waiting on payment on something).  Every BT I did to the Platinum (did 3 or 4), I had to call in because it got flagged as fraud.  Each time I had a chat with the rep explaining what I was doing and guess since it got flagged, it had to be notated to whomever that it was actually requested and not fraud.  So they notated on each transfer that it wasn't fraud, that I actually requested it and why I was all of a sudden utilizing my cards so heavily.  

I decided yesterday for funsies to try for a CLI on the CR since it's been a little over 6 months and my EQ was locked.  Asked for $10500 (3x) and it went to review.  Totally was expecting the review and then that ultimately turning into a decline - especially since it's gone from $500 > $1500 > $3500.  Was expecting maybe  $1500, bringing it to $5000 if they did it.  Was actually regretting doing it, with all considering.

 

Right as I was going to bed I got a notification that my PP deposit from the previous evening had gone through, so I logged in to transfer it into my savings.  Again, for funsies, I decided to look at my CR.  Available credit read $6200+ instead of the $30ish it should have been.  Sure enough, they upped it from $3500 to $9700.  Didn't do the full 3x like I asked, but darn near!


That's absolutely BONKERS!  Only NFCU!  Robot LOL

BK7 Discharged 12/16


EQ8/9: 696/730 | TU8: 738 | EX8: 733
Message 1 of 17
16 REPLIES 16
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Super Contributor

Re: NFCU SP CLI with 99% Utilization - WOW!

Congrats!

Message 2 of 17
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Established Contributor

Re: NFCU SP CLI with 99% Utilization - WOW!

Congrats on the CLI!








Message 3 of 17
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Frequent Contributor

Re: NFCU SP CLI with 99% Utilization - WOW!


@M_Smart007 wrote:

Congrats!


Thanks!

BK7 Discharged 12/16


EQ8/9: 696/730 | TU8: 738 | EX8: 733
Message 4 of 17
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Frequent Contributor

Re: NFCU SP CLI with 99% Utilization - WOW!


@Mv350 wrote:

Congrats on the CLI!


Thanks!

BK7 Discharged 12/16


EQ8/9: 696/730 | TU8: 738 | EX8: 733
Message 5 of 17
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Senior Contributor

Re: NFCU SP CLI with 99% Utilization - WOW!

Congratulations on your CLI!
Message 6 of 17
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Frequent Contributor

Re: NFCU SP CLI with 99% Utilization - WOW!

congratulations!




Starting score - May 2018

January 2020

AAoA - 10 months
Message 7 of 17
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Established Contributor

Re: NFCU SP CLI with 99% Utilization - WOW!

Congratulations on your CLI! 👍





INQ's: EQ: 0 TU: 0 EX: 0 (last 12 mo.)
Recent Accounts: 1 (last 24 mo.)
Total CL: 14.95k Util. 0% AAoA: 2 yrs, 1 mo.
AoOA: 2 yrs, 6 mo. AoYA: 1 yr, 5 mo. 100% PIF.





Goal Cards:


myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 8 of 17
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Community Leader
Mega Contributor

Re: NFCU SP CLI with 99% Utilization - WOW!

Wow, i wish i could get me sum NavySmiley Sad

 

Oh wait, i can!  Only Navy indeed!. Enjoy your Vday gift, shes feeling frisky😁

Message 9 of 17
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Established Contributor

Re: NFCU SP CLI with 99% Utilization - WOW!

Congratulations  that is awesome! I have to say with all the financial institutions I have Nfcu is my # 1 they go above and beyond...👍

Message 10 of 17
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