NFCU Visa Rwds CLI

[M_Smart007]

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@Creditwiser wrote:

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@M_Smart007 wrote:

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@Creditwiser wrote:

Its been years since I've requested a CLI on my Navy Visa .  Decided why not today and requested 3k via the app and instant approval . Probably left some on the table but that ok, I'll be back 

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Just curious as to why that you did not ask for mthe full $8K CLI?

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Couple years ago I did, denied ,but I forget the reasons. This time I thought I'll give it a go with less and it worked out.  3 more statements and I'll try with my new ( 3 month ) 

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Thanks for the reply  ..

Usually with Navy, they will counter offer if not willing to grant the full amount.

So there is no harm in asking for the full $8K CLI. Good luck on your next request

[GZG]

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@Creditwiser wrote:

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@M_Smart007 wrote:

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@Creditwiser wrote:

Its been years since I've requested a CLI on my Navy Visa .  Decided why not today and requested 3k via the app and instant approval . Probably left some on the table but that ok, I'll be back 

---

Just curious as to why that you did not ask for mthe full $8K CLI?

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Couple years ago I did, denied ,but I forget the reasons. This time I thought I'll give it a go with less and it worked out.  3 more statements and I'll try with my new ( 3 month ) NFCU Platinum

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you only need to wait 90 days/3 statements after a card's first approval for a CLI 

[Creditwiser]

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@M_Smart007 wrote:

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@Creditwiser wrote:

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@M_Smart007 wrote:

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@Creditwiser wrote:

Its been years since I've requested a CLI on my Navy Visa .  Decided why not today and requested 3k via the app and instant approval . Probably left some on the table but that ok, I'll be back 

---

Just curious as to why that you did not ask for mthe full $8K CLI?

---

Couple years ago I did, denied ,but I forget the reasons. This time I thought I'll give it a go with less and it worked out.  3 more statements and I'll try with my new ( 3 month ) 

---

Thanks for the reply  ..

Usually with Navy, they will counter offer if not willing to grant the full amount.

So there is no harm in asking for the full $8K CLI. Good luck on your next request

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Thanks @M_Smart007  & @GZG , yes, I'm aware as @CreditCuriosity & @Creditaddict offered all their insights in to NFCU many years ago.  In 2014 when I first joined NFCU post DC, I was reeling in CLI's with Navy.  Was very happy with my quick progress. Since my last denial, with clean CR's ( execpt BK7 )  I figured I'd just leave well enough alone. That is until the other day when I received my 3K CLI on the Rwds Visa. Was very surprised at not getting counter-offered on that denial.  So since I seem to be a bit NFCU sensitive for some reason, I'll give it 6 months. Good to know their internal underwritting practices appear not have changed much .

[Legally_Speaking2512]

Very nice - Congrats on the CLI!! 

[CreditAggie]

Congratulations on your NFCU CLI!