NFCU 91/3 No CLI...

[Andy77]

My NFCU NRewards card was opened on June 12 and that statement said 30 day cycle, but it cut on June 17th. 

So, is my 91 days Sept 11th ?

(3) statements did cut, June, July, August, and September cut yesterday and no auto CLI

I did get an email saying my account would be reviewed at the 3 month mark and I called in today and the rep said it was reviewed but my credit limit did not go up.

Can it take a few days after the statement cuts for the CLI to go through ?

[BmoreBull]

That first statement was not a full statement. You need to wait for another full statement to cut then try again. 

[dragontears]

did you apply for a CLI or just expecting an auto increase? 

[Anonymous]

nRewards is a secured card. Dont those usually take at least 7 months to insecure? You can apply for an unsecured card at 91/3 but they won't give you an increase until they unsecure it AFAIK. 

[JL276]

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@Anonymous wrote:

nRewards is a secured card. Dont those usually take at least 7 months to insecure? You can apply for an unsecured card at 91/3 but they won't give you an increase until they unsecure it AFAIK. 

They started giving some people increases at 3 months a couple of months ago on the secured card. My friend has a secured and got an auto increase after 3 statements.

They added the verbiage to the secured card on the website:

• After just 3 months, you could be eligible for an upgrade. If you qualify, we’ll provide you with additional credit to allow for spending beyond your deposit.
• Then, at 6 months, we’ll review your account monthly to see if you’re eligible to have your hold removed and be upgraded to a cashRewards unsecured card.

[Anonymous]

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@JL276 wrote:

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@Anonymous wrote:

nRewards is a secured card. Dont those usually take at least 7 months to insecure? You can apply for an unsecured card at 91/3 but they won't give you an increase until they unsecure it AFAIK. 

They started giving some people increases at 3 months a couple of months ago on the secured card. My friend has a secured and got an auto increase after 3 statements.

They added the verbiage to the secured card on the website:

• After just 3 months, you could be eligible for an upgrade. If you qualify, we’ll provide you with additional credit to allow for spending beyond your deposit.
• Then, at 6 months, we’ll review your account monthly to see if you’re eligible to have your hold removed and be upgraded to a cashRewards unsecured card.

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Ah cool, I wasn't aware of that change. 

Guess that's another way they set themselves apart.

[Andy77]

Ok, copy that about waiting another month.

 I was expecting an auto CLI, perfect payment history, brought account up to 2800 of 3k limit and paid off, fico 9 EQ is 705

[spiritcraft1]

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@Andy77 wrote:

Ok, copy that about waiting another month.

 I was expecting an auto CLI, perfect payment history, brought account up to 2800 of 3k limit and paid off, fico 9 EQ is 705

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What is your TU 09?  It seems you are out of secured card territory.  Card 2 can come before graduation of card 1.

[Anonymous]

@Andy77What was your credit score when you app'd for the nRewards card?  Did you try app'ng for an unsecured card at the time you were approved for the nRewards?