NFCU surprise auto CLI!!! - myFICO® Forums - 5812065

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While updating my Excel sheet this morning, I discovered an unsolicited CLI on my NFCU Cash Rewards card.

It's nearly two years old, and I've never requested a CLI on it.

EQ09 score 740, overall utilization 14% or so... I'm carrying a BT offer on that card... I WAS at 46% utilization on it, and am now at 40%.

$10k to $11.5k.

Ridiculous amounts of inquiries and new accounts... I'm very surprised.

...and very pleased!

04/01/24 Fico 8: EX 763, EQ 799, TU 783.
Fico 9: EX 756 03/13/24, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...

Message 1 of 20

19 REPLIES 19

That's so awesome! Congrats again!

Unicorn Card! 3% CB on every purchase

App 05/19 for Go Rewards | PC 10/19 to More Rewards | $29.5K

App 09/19 | $16.5K

App 09/19 | $23.6K

App 10/19 | $30K

App 04/20 | $20K

App 08/20 | $20K

App 08/21 | $20.5K

App 07/22 | $21.6K

App 02/23 | $12.4K

Message 2 of 20

Getting anything from Navy without a hard pull is a big win!

Freedom Unltd|$6.6K

Freedom Flex|$9.6K

Simplicity|$30K

USAA Rate Adv|$15K

NFCU GoRewards|$24K

NFCU MoreRewards|$24K

USocks Cash+|$10K

Message 3 of 20

Pleasant surprise indeed. Congrats!

Message 4 of 20

Congrats on the surprise Navy CLI!

CapOne Platinum Secured | $500

BOA Customized Cash Rewards Visa Platinum Plus | $300

SDFCU Platinum Rewards Secured | $250

Discover it Chrome | $1,000

NFCU Cash Rewards | $22,500

NFCU More Rewards AmEx | $18,000

NFCU Platinum | $5,500

AmEx Hilton Honors Aspire | $3,100

Discover it Cash Back | $4,000

PayPal Mastercard | $1,700

Synchrony CareCredit | $12,000

AmEx Delta Platinum | $1,000

AmEx Blue Cash Preferred | $1,000

AmEx Bonvoy Brilliant | $3,100

Home Depot | $15,500

GS Apple Card | $1,350

FNBO Evergreen Rewards Visa | $15,000

Macy’s AmEx | $7,800

Verizon Visa | $2,500

AxEx Gold | NPSL

Navy Federal CU Refinance | $23,492 @ 5.29%

Capital One Auto Finance | $14,068 @ 9.12%

Message 5 of 20

Congrats on the auto luv!!

Message 6 of 20

Nothing beats finding free money,
Or credit! Congratulations @Tcbofade
Enjoy your new CLI
Cheers

Message 7 of 20

Awesome @tcbofade

Welcome to the 2 year old Auto Luv Club

Message 8 of 20

@AverageJoesCredit wrote:
Awesome @tcbofade

Welcome to the 2 year old Auto Luv Club

I'm a bit shy of two years... that'll be January.

04/01/24 Fico 8: EX 763, EQ 799, TU 783.
Fico 9: EX 756 03/13/24, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...

Message 9 of 20

@tcbofade Congrats!!!

Message 10 of 20