NFCU CLI Question

[MrCredit]

I have had a Cash Rewards for about three months (one week till 3 months). I could not wait anymore to ask for an increase after reading forums in here. I was at $10k when I decided to pull the trigger and push LUV button. I asked for $15k.

Got the 3-5 message. Called in and the CSR was nice and called down to the loan dept. She said they would only give another $1k increase. So my limit is at $11k.

My question is will all of my subsequent CLIs be a soft pull? Is this how it works?

When would you suggest trying the LUV button again?

My scores is a 660 on EQ. 1% util, no credit card debt, just two cars (1 lease and 1 loan), jet ski installment loan, mortgage. My income is $67k. I am on the account as a sole person.

[j_casteel]

Looks like you are at your limit with them at the moment. I'd give it another 6mos and try again. By that time hopefully your scores and reports will have improved and hopefully they soft you once in a while. So you would have a better chance of getting a SP CLI rather than a HP.

[MrCredit]

Just got a recon letter from Navy saying they only increased my Cashrewards because of income insufficient (67k) for amount requested ($20k) and excessive credit obligations (no revolving CC debt). It says we are happy to increase your CL to $11k.

Does this mean I have reached my internal limit or should I be hopeful that I can get automated CLI via soft pull in the future?

[Creditaddict]

I would request another CLI in 3 more months (don't do it early this time!)

Does not mean you will always get sp cli from now on

you are at current internal limit but that can change by the day!