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Should I try again? NFCU Increase

tag
ambivalent
Established Contributor

Should I try again? NFCU Increase

So yesterday I got an instant approval for a CLI.  I should have followed Creditaddicts advice in the NFCU threads and asked for whatever amount it is, I think 25k.  Is it too early to submit another request today?  I think I saw in that thread one person who submitted another request the next day.  Thank you!

Aiming for 700 across FICO 8 and $150K TCL
Message 1 of 9
8 REPLIES 8
tomfromrictmame
Frequent Contributor

Re: Should I try again? NFCU Increase

My initial Cl was $5,000.  Within 2 days it was $20,000.  I used 2 on-lines requests.




AMEX Platinum NPSL | BofA Cash Rewards Visa $50K | NFCU Sig Visa $27K | Chase Marriott Rewards Visa $25K | AMEX Delta Skymiles $25K | BofA Sig Visa $25K | First Tech Odyssey MC $25K | AMEX HHonors Surpass $23K | Chase United Club Unlimited Visa $20K | Barclays AAdvantage WMC $17K | NFCU LOC $15K | NASA Platinum Visa $15K| NFCU Sig Visa $14K
Message 2 of 9
Creditaddict
Legendary Contributor

Re: Should I try again? NFCU Increase


@prettylady wrote:

So yesterday I got an instant approval for a CLI.  I should have followed Creditaddicts advice in the NFCU threads and asked for whatever amount it is, I think 25k.  Is it too early to submit another request today?  I think I saw in that thread one person who submitted another request the next day.  Thank you!


Yes you should go back and ask for the $25k and get the counter.

Message 3 of 9
ambivalent
Established Contributor

Re: Should I try again? NFCU Increase

*throws up hands* I got the 3-5 day message.  (*$()*$)(@)#(!!!!  I sent them a message to disregard.  I don't want the HP.  I will just enjoy my time in the garden now. :-)

Aiming for 700 across FICO 8 and $150K TCL
Message 4 of 9
USF813
Frequent Contributor

Re: Should I try again? NFCU Increase

I think the HP is auto generated now. That's what I was told when I called in once. Just as a FYI, I've had two instant CLIs. In both cases, NFCU had soft pulled me within 30 days of my request.
Message 5 of 9
USF813
Frequent Contributor

Re: Should I try again? NFCU Increase

Nevermind. Disregard half of what I said. I'm at the eye doctor. Dilated pupils make it hard to read!!!
Message 6 of 9
virgo
Established Contributor

Re: Should I try again? NFCU Increase

Can I ask how long your accounts have been open? Thank you.

Message 7 of 9
ambivalent
Established Contributor

Re: Should I try again? NFCU Increase


@USF813 wrote:
I think the HP is auto generated now. That's what I was told when I called in once. Just as a FYI, I've had two instant CLIs. In both cases, NFCU had soft pulled me within 30 days of my request.

Where do you look to see if they have done a SP on you? 

Aiming for 700 across FICO 8 and $150K TCL
Message 8 of 9
ambivalent
Established Contributor

Re: Should I try again? NFCU Increase


@virgo wrote:

Can I ask how long your accounts have been open? Thank you.


My cashRewards started as an nRewards in...October of 2012.  I changed it to a cashRewards last month. 

Aiming for 700 across FICO 8 and $150K TCL
Message 9 of 9
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