NFCU CLOC

[Anonymous]

Basking in the happiness of getting approved for an NFCU Cash Rewards, and my wife getting approved for her second NFCU card, I'd like to see about getting a CLOC for our checking account.  I've read on here to ask for the full 15k and they often will counter, but I tried that earlier this year and it was a flat out denial.  Should I go more conservative on it this time?  How easy is it to get an increase in the future if I go low this time?  What bureau do they pull for the CLOC?

[Anonymous]

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@Anonymous wrote:

Basking in the happiness of getting approved for an NFCU Cash Rewards, and my wife getting approved for her second NFCU card, I'd like to see about getting a CLOC for our checking account.  I've read on here to ask for the full 15k and they often will counter, but I tried that earlier this year and it was a flat out denial.  Should I go more conservative on it this time?  How easy is it to get an increase in the future if I go low this time?  What bureau do they pull for the CLOC?

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They pull EQ for the CLOC. 

[glockrunner]

Do they pull FICO 8 or FICO Bankcard 8? Thank you!

[TrialByFire]

Hi, if it were me I’d let the new card age 3 months then ask for 5k on the CLOC, 6mo after that ask for increase to 15k. It doesn’t take long at all to build solid internal history with navy.

[Anonymous]

How does a CLOC show on credit reports —- as a Credit Card/revolving acct or as an installment loan with zero balance (if unused)?

[tcbofade]

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@Anonymous wrote:

How does a CLOC show on credit reports —- as a Credit Card/revolving acct or as an installment loan with zero balance (if unused)?

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MOST LOCs report as a credit card/revolving account.

[Medic981]

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@tcbofade wrote:

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@Anonymous wrote:

How does a CLOC show on credit reports —- as a Credit Card/revolving acct or as an installment loan with zero balance (if unused)?

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MOST LOCs report as a credit card/revolving account.

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My NFCU CLOC reports as a revolving account and for this reason, will count against Chase's 5/24 rule... Grrrrrr