NFCU approval + instant cli possible?

[nolamike]

AverageJoeCredit,

Thanks for that, and I really don't know about the "Horn of Africa" approach to CLI, it does not sound like a quick path, and I am a really impatient person on this stuff. I usually don't think about it, but when I do I focus like a laser and don't shut off until I get what i want. LOL. it can be a real annoying habit.

I sent a SM to them right after I picked up the card this morning, and no reply yet, not even a notice that got the message, so of course I am not amused about it, but then considering the process so far it is par for the course.

I explained the situation and maybe the credit gods will smile and they will reevaluate things and up my limit. Not holding my breath but it would be nice.

Thanks again,

Mike

[AverageJoesCredit]

Lol, i call my journey the Horn of Africa route as you know its like taking the long way to get from one place to another and since they only gave me 500, even with 700+ fico, and my low income, it might be a long time before i break even a k lol

Dont give up hope yet on getting your original limit increased. I think it might be better to call and ask to speak to a LO or recon via phone . I think SM for Navy stands for Sallie May, and shes r.i.p ing with Sir Barclays .

Good luck, and hope everyone you knew made it out ok in that tornado you mentioned

[nolamike]

AverageJoeCredit,

How long have you been with NFCU? have you cli'd yet? a 700 score with otherwise clean credit would seem to merit more than 500...

I am thinking you are right on Sallie Mae....UGH. sadly my student loans are with her progeny, Navient....yuck.

2 people died on my street, 1 directly from the tornado, one from a heart attack while under rubble of their house.

I was lucky compare to most, at least I could afford to get into a hotel asap, and buy building materials and hire folks to get my house repaired. We are still waiting on insurance payouts & FEMA as the great state of Louisiana is as messed up politically as any third world nation. It is a mess.

[nolamike]

odd little update to this thread.

I decided to send a secure message asking them what options I had to  possibly consolidate my other credit card debt as I planned to when I originally applied.

I was adament that I was not looking for another hard pull and that all I wanted was information.

so just now, 5/12/2017, I get an alert from Equifax that NFCU pulled my credit.

As I understand things, to open an account and for credit cards nfcu pulls TU, which CK shows they did and MyFico reported there was new inquiry on TU but no one else yesterday.

I also understand that NFCU pulls EQ for PLOC's and CLOC's etc, basically for loans.

Now this. I now have another HP on EQ for a total of 9 including Cox.  That is not alot, but considering they are all in a period of 8 months it might look high to other potential lenders.

The paperword that came with my card (sent overnight and for 12 bucks it was a great deal) did not include any "internal" score that I see others talk about.

It will be interesting to see what if any response I get to my Secure Message or in the mail as I have NOT applied for any type of loan.

Will post again if and when I know anything.