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NFCU new credit

New Contributor

NFCU new credit

I just got approved for $8200 and I want to ask for $10000. I sent a secired message and they came back and told me I need to go online and request an increase once my card shows on my account. Will this be included in the initial HP? Is this the best way to do it? THANKS!

Message 1 of 10
9 REPLIES
Valued Contributor

Re: NFCU new credit

If you see a 3 - 5 days message, CALL them right away and tell them you no longer want the CLI or they will HP you. If not, it's a SP.
TCL= $172,800
6-7-16: EQ 683 EX 713 TU 715
10-12-16 EQ 685 EX 706 TU 702 12-19-16 EQ 683 EX 704 TU 701 and CHILLING ON ICE...BRRRRR!
In the garden as of 6-7-16, I've been really really BADDDDD Smiley Sad Smiley Sad

Message 2 of 10
Epic Contributor

Re: NFCU new credit


earena wrote:

I just got approved for $8200 and I want to ask for $10000. I sent a secired message and they came back and told me I need to go online and request an increase once my card shows on my account. Will this be included in the initial HP? Is this the best way to do it? THANKS!


The secure message to reconsider the CLI is usually the way you do it so clearly you got someone that didn't want to pass it on or didn't know!.

I would not go online and request a CLI through the button until the account is 3 statements old.

Message 3 of 10
New Contributor

Re: NFCU new credit

If I applied for a CLOC would it be a new hard pull? Or would they do a SP:
Message 4 of 10
Moderator

Re: NFCU new credit


earena wrote:
If I applied for a CLOC would it be a new hard pull? Or would they do a SP:

Another HP.  Assume that NFCU will do an HP for any product you apply for.

Message 5 of 10
Epic Contributor

Re: NFCU new credit


earena wrote:
If I applied for a CLOC would it be a new hard pull? Or would they do a SP:

HP always with CLOC

Message 6 of 10
New Contributor

Re: NFCU new credit

Ok. I have just been reading that sometimes they do a soft pull. I've read that you should apply for the CLOC right after you apply for the credit card and thought that was why. I just haven't figured out the logistics of predicting when it's a SP or HP.
Message 7 of 10
Epic Contributor

Re: NFCU new credit

Sp is only for credit card cli possibly every 2 months after1st of month and one should only request for first one after 3 statements and an ar usually
Message 8 of 10
Community Leader
Super Contributor

Re: NFCU new credit

Good luck!


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover.. Fico 8: EX: 758; TU: 746; EQ: 762
Message 9 of 10
Highlighted
Member

Re: NFCU new credit

They are very quick to use the HP button. They punched it before I could call and cancel, 1 minute from the 3-5 day message. Recommend having them on hold before trying for a CLI
Message 10 of 10