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Nfcu APR reduction denial but CLI approval

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Established Contributor

Nfcu APR reduction denial but CLI approval

I called in and asked for an APR reduction after being with them 1 yr and 10 days and said she couldn’t do that so I went into my phone app for my cash rewards which is at 22k and asked for 26k. I heard all the stories about larger amounts requiring POI or W2’s and app went pending- woke up this morning to no emails but checked account and 26k is limit- did I leave $ on the table?
Still happy but it was a HP.
" EX 718 EQ 730 TU 737 MMS 729"
Message 1 of 9
8 REPLIES 8
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Established Contributor

Re: Nfcu APR reduction denial but CLI approval

Congrats on your CLI.  

EQ 669, TU 679, EX 679. Navy Signature Go Rewards 15K, Navy Signature Cash Rewards 16K, Navy AX Rewards 14.4K, Navy CLOC 15K, Navy Mortgage 120K, Navy ATV Loan 14,990K, FLCU Auto 48.7K, FLCU Visa 7.5K, FLCU Visa 1K, AFCU 5K, AFCU Line of Credit 4K, John Deere 15K, Suncoast TB Rays Cash Rewards 6K, Cap1 QS 5K, USAA Rate Advantage 5K, USAA AX Card 9K, State Farm Rewards 2.5K, Paypal Credit 2.8K, Cabela's 2K, Chevron & Texaco Visa 6K, BMO Harris Bank 1.5K, BOA Bass Pro 1.5K, 5/3 Stand up to cancer 4.5K, 5/3 Truly Simple 4K, 5/3 Trio 4K, Amazon Store Card 5K, Lowes 17K, TBFCU 5K, BBT Spectrum 4.5K, BBT Bright 3.5K, BBT Bright 4.5K, Banco Do Brasil Americas 4.2K, Kays Jewerly 2K, AX Green Charge, AX Delta Gold 1K, Morgan Auto Group 1.6K, Kohls 700.
Message 2 of 9
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Valued Contributor

Re: Nfcu APR reduction denial but CLI approval

Congrats. Do you do your primary banking with them?

It’s hard to say about potentially leaving money on the table. It’s possible a larger request could’ve prompted a POI request.


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 3 of 9
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Valued Contributor

Re: Nfcu APR reduction denial but CLI approval

yup you left a big pile of cash on the table ....,no worry ill get the rest of the cash from the table,cuz when i cli i take the money and the table.

Message 4 of 9
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Regular Contributor

Re: Nfcu APR reduction denial but CLI approval

LOL Peghede!

But Congrats on the increase!
BK7 discharged 4-6-16
VentureOne $5500 | NFCU cash rewards $9,000 | NFCU CLOC $15,000 | NFCU GoRewards $14,000 | Discover IT $3,100 | BECU VISA $11,000 | Walmart store card $3500 | Target $5,000 | Kohl's $3000 |
Message 5 of 9
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Established Contributor

Re: Nfcu APR reduction denial but CLI approval

Peg,

 

Good one.. lol

EQ 669, TU 679, EX 679. Navy Signature Go Rewards 15K, Navy Signature Cash Rewards 16K, Navy AX Rewards 14.4K, Navy CLOC 15K, Navy Mortgage 120K, Navy ATV Loan 14,990K, FLCU Auto 48.7K, FLCU Visa 7.5K, FLCU Visa 1K, AFCU 5K, AFCU Line of Credit 4K, John Deere 15K, Suncoast TB Rays Cash Rewards 6K, Cap1 QS 5K, USAA Rate Advantage 5K, USAA AX Card 9K, State Farm Rewards 2.5K, Paypal Credit 2.8K, Cabela's 2K, Chevron & Texaco Visa 6K, BMO Harris Bank 1.5K, BOA Bass Pro 1.5K, 5/3 Stand up to cancer 4.5K, 5/3 Truly Simple 4K, 5/3 Trio 4K, Amazon Store Card 5K, Lowes 17K, TBFCU 5K, BBT Spectrum 4.5K, BBT Bright 3.5K, BBT Bright 4.5K, Banco Do Brasil Americas 4.2K, Kays Jewerly 2K, AX Green Charge, AX Delta Gold 1K, Morgan Auto Group 1.6K, Kohls 700.
Message 6 of 9
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Established Contributor

Re: Nfcu APR reduction denial but CLI approval

No, only have $105 in checking with them and that’s because they put that in there when I redeemed rewards.
" EX 718 EQ 730 TU 737 MMS 729"
Message 7 of 9
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Established Contributor

Re: Nfcu APR reduction denial but CLI approval

I’ll get them again in 6 mos.
" EX 718 EQ 730 TU 737 MMS 729"
Message 8 of 9
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Community Leader
Mega Contributor

Re: Nfcu APR reduction denial but CLI approval

Nice jumpSmiley Happy. I think poi gets blown out of proportion too often, one either makes what you claim or one doesn't , i could only wish i made the big dough the CU's would love me more lol. Enjoy the new limitSmiley Happy
Message 9 of 9
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