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USAA Auto CLI Surprise & NFCU 91/3

tag
thornback
Senior Contributor

USAA Auto CLI Surprise & NFCU 91/3

Hey Y'all.. 

 

So I returned from vaca yesterday and checked all my accounts for the first time in 2 weeks...  noticed USAA gave me a $3K CLI on my Amex Cash Plus,  bringing my CL from $8K to $11K.  I just hit my 6 month mark last week and was contemplating whether or not to take a HP on a CLI request so this was a very nice surprise -- I will now wait til sometime next year to request an additional CLI from them.   I use this card often... and PIF each month ($1K -2K monthly).

 

5/23 was my 91/3 date for my NFCU Plat.   It's my only card with them with a SL of $4.9K and I currently have a $700 balance on the card (I also have a CLOC with a $5K limit). I'm supposed to be in the garden so was going to try to wait til 6 months to request a CLI -- but after seeing the USAA auto,  the app itch returned full force.    So... I unlocked EQ and went for it; requested a $10K increase to $14.9K,  received the 24 hour message.  A few hours later, checked my account and saw they gave an $8K increase bringing my CL to $12.9K.  Not bad for 3 months of history; I have neither the need nor desire for another card so will not app for a 2nd NFCU card.  

 

Scores in siggy are current, clean report.   My DTI is quite high -- mostly due to student loans, so I'm not at all surprised NFCU did not grant the full amount requested.  

 

 

 

 

 

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"
Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA:
4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:  


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 1 of 12
11 REPLIES 11
simplynoir
Community Leader
Mega Contributor

Re: USAA Auto CLI Surprise & NFCU 91/3

Congratulations on your two increases there

Message 2 of 12
thornback
Senior Contributor

Re: USAA Auto CLI Surprise & NFCU 91/3

Thank you! 


@simplynoir wrote:

Congratulations on your two increases there


 

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"
Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA:
4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:  


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 3 of 12
Anonymous
Not applicable

Re: USAA Auto CLI Surprise & NFCU 91/3

Congrats on the auto love from USAA and the CLI with NFCU!

Message 4 of 12
thornback
Senior Contributor

Re: USAA Auto CLI Surprise & NFCU 91/3

Thank you very much!

 


@Anonymous wrote:

Congrats on the auto love from USAA and the CLI with NFCU!


 

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"
Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA:
4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:  


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 5 of 12
M_Smart007
Legendary Contributor

Re: USAA Auto CLI Surprise & NFCU 91/3

Congrats on The Auto CLI SurpriseSmiley Happy

Message 6 of 12
Anonymous
Not applicable

Re: USAA Auto CLI Surprise & NFCU 91/3

Congrats on your CLIs! 

Message 7 of 12
thornback
Senior Contributor

Re: USAA Auto CLI Surprise & NFCU 91/3

Many thanks, @

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"
Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA:
4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:  


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 8 of 12
19eighty5
Senior Contributor

Re: USAA Auto CLI Surprise & NFCU 91/3

Congratulations on both of your CLIs!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:


Message 9 of 12
Pro-X
Frequent Contributor

Re: USAA Auto CLI Surprise & NFCU 91/3

Congrats!!


Message 10 of 12
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