NFCU CLI over 25k datapoints

[Anonymous]

Curious to know what Navy looks at if someone requests over 25,000.
Are requests over 25k a HP
Is POI requested most of the time.
Or do they look at scores and history.

Any data points are appreciated.

[K-in-Boston]

Requests over $25k are always a HP from my understanding. They actually requested POI when I applied for the card (which was a first for me) “due to unusually high reported income.” I was flattered but income is only in the 2s; not exactly being profiled by Robin Leach. Scores and history certainly play a big part (as does income), and there are numerous posters here with above-$25k lines that never had to produce POI.

[Anonymous]

I got a CLI to $35K without POI

[Gmood1]

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@Anonymous wrote:

I got a CLI to $35K without POI

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As I've reminded you in the past. Your data points don't count. Simply because, you sir are no mere mortal. 😂

Plus all the big wigs at the main office know who you are.😉

OP, mine bottomed out at $26k without  POI.

[Anonymous]

Appreciate the replies. Just trying to get a feel for what to expect.
Don't mind the HP if I have too. All Foci 9's above 800 But just hate too provide POI because it's a pain being semi self employed.

[Anonymous]

My GoRewards is at 25k. I requested 30k and it went to review with a HP. In other words, no. lol My NFCU AMX went from 18.1 to 25k with no HP about a week before. My EQ Fico 9 is 780. My utilization is 15% across all cards and 30% on my GoRewards because of their no interest until November offer. 

Oh, as a data point, I also have the 15k CLOC. Income is low six figures. 

Thanks for starting this thread. I also was curious.

[K-in-Boston]

I’ve just learned that auto-CLIs can take you past the $25k mark, at least. Certainly a LOT of patience is needed on the road to $80,000 to do it that way, though.

[Anonymous]

I have a $35K Platinum, no POI requested, it was an HP.

[AverageJoesCredit]

I had a 25k Plat Mastercard, requested 45k, got instant approval no POI


OH WAIT, AM I AWAKE OR STILL DREAMING?

[Anonymous]

My initial SL for Gorewards was an instant approval of $22100. At 91 days I requested a $5k CLI to bring it to $27100. Instant approval, no review and no HP.

I must have lucked out!