NFCU, THE LOVE BUTTON, CLOC, AND USAA

[Cbush83]

HI ALL!!! Long time lurker, but i really need you guys help. So, back story I've been with NFCU since 2002, Credit Scores are all around the mid 600's I currently have the Visa Signature for 6 years and i have only had one credit increase. When the next AR comes I want to hit the love button and ask for 25k.. I also want to apply for the CLOC. The question is when applying for the CLOC is this a HP or SP and do you think I should wait to apply for CLOC. Also if these two are SP's I was thinking about biting the bullet and applying with USAA for an AMEX card then just watching my score grow for a little while. Any ADVISE TIPS OR RECOMMENDATIONS ARE APPRECIATED. I've learned so much from you guys..

[Anonymous]

All applications with NFCU are hard pulls.

[Aduke1122]

All NEW applications are a Hp with Navy Fed but if your profile supports it after an AR you can try for a CLI and if it is instantly approved that means it's a SP ,you have many years of history behind you so there is a very good chance you will get it wth a SP unless you have other stuff going on such as High UTi or multiple derogatory hits or even  newer negative items . I would say if you don't have anything of that nature go ahead and try they can be very generous but go in it expecting full and well for a Hp , when was the last time you
Asked for one? Bc if it's been quite a while they may do a review just bc of that fact . Also as far as Usaa goes I love them both Usaa and Navy but Usaa has given me more of a chance than Navy while rebuilding,I got my first secured card with them last year in Jan when not even Cap one would give me one and then in Jan of this year I was approved for the Limitless and the Amex Cash Rewards with scores around 650s at the time maybe a bit lower . I say you got a great chance with them also , go for it as long as you don't have any of the negative stuff I mentioned

[Aduke1122]

Also the Cloc will ALWAYS BE A HP even with asking for a CLI on it , it is a different dept than the cc dept and they have different UW standards

[Cbush83]

Aduke1122 whats uw?

[AverageJoesCredit]

Underwear?

Jk, Under Writing.

[Cbush83]

My last and only CLI was in 2012. UTI on current credit card is at 10%. I have a Kays Card with a zero balance. But I did get a loan with them about 2 mths ago. I guess my concern now is should I go for USAA (i've also been with them since 2005) or try for a CLOC.. Since the CLOC is a different depts.. I'll wait and see what happens after i hit the love button

[Cbush83]

..gotcha!

[Anonymous]

I got the cloc after a week of membership then a week later i asked and got an increase the only time haven't had a hp is when i got the secured nrewards and thats probably due to just being denied an unsecured card from them

[Aduke1122]

Have you ever received any preapproval offers from Navy or Ussa ?