Navy Fed CU CLI ??

[bichonmom]

Does anyone know if Navy Fed pulls hard or soft for a CLI request? Their CS rep would not tell me and said that I needed to ask the CRA!!! 

Thanks! 

[hammertime]

CLI with NFCU will be a hard.  My recent CLI was a hard on EQ.  Original was 4k, I requested 10K and was approved.

[Red1Blue]

I normally request cli online. Some times I got cli with out hard. When they did hard they pulled eq.

[bichonmom]

Thanks for the replies. I spoke w/another CS rep today and she said that they *always* pull hard for CLI or to reduce interest. She also said that they rarely give CLI without the consumer requesting it.

[Anonymous]

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@bichonmom wrote:

Thanks for the replies. I spoke w/another CS rep today and she said that they *always* pull hard for CLI or to reduce interest. She also said that they rarely give CLI without the consumer requesting it.

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I think a lot of people on the forums have expressed somewhat the opposite experience with NFCU, for the auto (non-requested) CLI...  If I recall correctly, a lot of people are seeing them on their 6/12/18/24/etc month anniversaries.

I believe I got one at 12 ($14K-$15K), 18 ($15K-16.5K),  and 24 (16.5K-19.8K)... Though YMMV.  Never asked for one though (never a hard).  Anyone else?

[Anonymous]

I got the increases @ 12 (15K-16.5) and 18 (16.5 - 19.8) without asking. Didn't even get a notice on the 2nd one. I was looking at my on-line account one day and there it was.

[bichonmom]

How odd. That's good news, but makes me wonder how well they train their phone reps.

[bichonmom]

I'm thinking about asking for a CLI at 6-7 months. Has anyone gotten a CLI that early?

[erika]

I got my increase at 6mths (requested it online).  It went from a 3k limit to 7500.  It was a hard pull for me.

[bichonmom]

Thanks, erika.