@EDGE1230 wrote:I know there is a thread for this but i had some specific questions. I requested a CLI today on my go rewards card . I have had the card since dec 20th , 2015 no increased. I saw there was an AR completed 8/26/2016 So i pulled the trigger. I got the 24 hour decision notice. I am assuming this is now going to be a hard pull and a denial ? Anyone have experience with this ? I tried calling in and they told me credit was pulled but couldnt say wether it was a hard pull and the request is under review..
I opened my NFCU Platinum MasterCard back in November, and like you I had never asked for a CLI. After the latest AR I pulled the trigger, and was also greeted with the 24 hour decision message.
In my case I tried (and got the message) late on a Sunday, and it was Tuesday before I logged on and found they had increased my CL to $20k (from $15.3k). I think most people usually hear something the next day, but in my case it did take two.
Also, I used the 'maximum' button instead of specifying an amount; I'm not sure if this made a difference or not. Just a week or so ago I got a letter from them saying that while they were unable to approve my CLI as requested, they had increased my limit to $20k (this made no sense being that I used the 'max' button). The back of the letter also listed my credit score on their own system... I was 723 out of a possible 818 (the lowest is 334). They gave a laundry list of reasons as well; number of inquiries, number of accounts with balances, length of time accounts have been established, etc... none of which are technically wrong, although my overall utilization is around 4%.
Hang in there... if your scores support it, you still have a good chance of getting your CLI! 