Just got into NCFU. When should I ask for a CLI, after 6 months, right away?
NCFU CLI - When to ask?
Started by
billyd
, May 31 2012 07:54 PM
18 replies to this topic
#1
Posted 31 May 2012 - 07:54 PM
#2
Posted 31 May 2012 - 07:57 PM
My first CLI (1k to 17.5k) was after 4 months
#3
Posted 31 May 2012 - 08:01 PM
My first CLI (1k to 17.5k) was after 4 months
You asked or they just gave it to you?
#4
Posted 31 May 2012 - 08:17 PM
I asked. I actually requested 25k (what did I have to lose) and was shocked that they countered so high. No hard either.
#5
Posted 31 May 2012 - 10:54 PM
If you don't mind saying what is your annual income?
I asked. I actually requested 25k (what did I have to lose) and was shocked that they countered so high. No hard either.
#6
Posted 01 June 2012 - 12:35 AM
Just got into NCFU. When should I ask for a CLI, after 6 months, right away?
I applied and got $10k a few days ago and asked for an increase today to $20k plus $10k navcheck. Still waiting on the increase approval. But the branch said give it 6 months. The rep on the phone said 3 months.
Edited by TeachMeMaster, 01 June 2012 - 12:36 AM.
#7
Posted 01 June 2012 - 05:04 AM
Just got into NCFU. When should I ask for a CLI, after 6 months, right away?
I applied and got $10k a few days ago and asked for an increase today to $20k plus $10k navcheck. Still waiting on the increase approval. But the branch said give it 6 months. The rep on the phone said 3 months.
I have had my cash rewards card for a lil over 6 months started at 15k just requested a cli the other day to 25k. They gave me the 3-5 day message and a few hours later i noticed they increased it 2500 more but i took a hard pull for it on eq
Edited by cableguy123, 01 June 2012 - 05:04 AM.
#8
Posted 01 June 2012 - 06:15 AM
If you don't mind saying what is your annual income?
I asked. I actually requested 25k (what did I have to lose) and was shocked that they countered so high. No hard either.
At that time it was around 72k I believe.
#9
Posted 01 June 2012 - 12:38 PM
Just got into NCFU. When should I ask for a CLI, after 6 months, right away?
I applied and got $10k a few days ago and asked for an increase today to $20k plus $10k navcheck. Still waiting on the increase approval. But the branch said give it 6 months. The rep on the phone said 3 months.
Did you get approved? What is your income (if you don't mind) and did they do a hard pull? I thought NFCU is a bunch of softies...
#10
Posted 01 June 2012 - 04:13 PM
It depends on what you initial CL is...30k is the max that they approve for a new CC and you have to wait 6 months from that period for a CLI and it will most likely be a hard. I can almost guarantee that. Now for anything below 30k it's a toss up and most people are successful prior to the 6 month mark.
#11
Posted 01 June 2012 - 04:19 PM
It depends on what you initial CL is...30k is the max that they approve for a new CC and you have to wait 6 months from that period for a CLI and it will most likely be a hard. I can almost guarantee that. Now for anything below 30k it's a toss up and most people are successful prior to the 6 month mark.
Do they do a hardpull? I got $10K now and looking to go up to $20K. I'd be thrilled.
#12
Posted 01 June 2012 - 05:24 PM
It depends on what you initial CL is...30k is the max that they approve for a new CC and you have to wait 6 months from that period for a CLI and it will most likely be a hard. I can almost guarantee that. Now for anything below 30k it's a toss up and most people are successful prior to the 6 month mark.
Do they do a hardpull? I got $10K now and looking to go up to $20K. I'd be thrilled.
In that range it's a toss up. I know of some that were and weren't. It really just depends.
#13
Posted 01 June 2012 - 07:07 PM
It depends on what you initial CL is...30k is the max that they approve for a new CC and you have to wait 6 months from that period for a CLI and it will most likely be a hard. I can almost guarantee that. Now for anything below 30k it's a toss up and most people are successful prior to the 6 month mark.
Do they do a hardpull? I got $10K now and looking to go up to $20K. I'd be thrilled.
In that range it's a toss up. I know of some that were and weren't. It really just depends.
YES i can say its a hard just got a hard the other day hit the request button got the 3-5 day message saw my line went up from 15 to 17.5 i asked for 25
#14
CTSoxFan
- Mod Squad
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- 3,760 posts
Posted 01 June 2012 - 07:39 PM
I think I got one after 6 months, I was at 12.5, asked for 20 and got a counter for 15. Have gotten one every 6 or so months since. Hard pull each time.
#15
Posted 01 June 2012 - 09:09 PM
Just got into NCFU. When should I ask for a CLI, after 6 months, right away?
I applied and got $10k a few days ago and asked for an increase today to $20k plus $10k navcheck. Still waiting on the increase approval. But the branch said give it 6 months. The rep on the phone said 3 months.
Did you get approved? What is your income (if you don't mind) and did they do a hard pull? I thought NFCU is a bunch of softies...
I got a call from them today and they left me a message about needing my stubs to approve the $10k Navcheck. When I returned the call, I asked the rep about my pending CLI. He said it was disapproved. Go figure. I'm going to try and recon that or negotiate less of a navcheck. But I did get a hard on EQ and TU.
#16
Posted 01 June 2012 - 10:02 PM
Just got into NCFU. When should I ask for a CLI, after 6 months, right away?
I applied and got $10k a few days ago and asked for an increase today to $20k plus $10k navcheck. Still waiting on the increase approval. But the branch said give it 6 months. The rep on the phone said 3 months.
Did you get approved? What is your income (if you don't mind) and did they do a hard pull? I thought NFCU is a bunch of softies...
I got a call from them today and they left me a message about needing my stubs to approve the $10k Navcheck. When I returned the call, I asked the rep about my pending CLI. He said it was disapproved. Go figure. I'm going to try and recon that or negotiate less of a navcheck. But I did get a hard on EQ and TU.
You got hards for the increase?
Do you think asking for a CLI within days of applying and being approved for the card is a good idea?
#17
CTSoxFan
- Mod Squad
-
- 3,760 posts
Posted 02 June 2012 - 10:32 AM
Just got into NCFU. When should I ask for a CLI, after 6 months, right away?
I applied and got $10k a few days ago and asked for an increase today to $20k plus $10k navcheck. Still waiting on the increase approval. But the branch said give it 6 months. The rep on the phone said 3 months.
Did you get approved? What is your income (if you don't mind) and did they do a hard pull? I thought NFCU is a bunch of softies...
I got a call from them today and they left me a message about needing my stubs to approve the $10k Navcheck. When I returned the call, I asked the rep about my pending CLI. He said it was disapproved. Go figure. I'm going to try and recon that or negotiate less of a navcheck. But I did get a hard on EQ and TU.
You got hards for the increase?
Do you think asking for a CLI within days of applying and being approved for the card is a good idea?
You can ask. There is really nothing to lose, as they should use your initial credit report and not have to pull another.
#18
Posted 02 June 2012 - 10:55 AM
They typically do NOT reuse a pull for a separate requests.
Just got into NCFU. When should I ask for a CLI, after 6 months, right away?
I applied and got $10k a few days ago and asked for an increase today to $20k plus $10k navcheck. Still waiting on the increase approval. But the branch said give it 6 months. The rep on the phone said 3 months.
Did you get approved? What is your income (if you don't mind) and did they do a hard pull? I thought NFCU is a bunch of softies...
I got a call from them today and they left me a message about needing my stubs to approve the $10k Navcheck. When I returned the call, I asked the rep about my pending CLI. He said it was disapproved. Go figure. I'm going to try and recon that or negotiate less of a navcheck. But I did get a hard on EQ and TU.
You got hards for the increase?
Do you think asking for a CLI within days of applying and being approved for the card is a good idea?
If eligible for a pre-approved CLI it is possible to get it without a HP.
With NFCU it does often seem the sky is the limit but IMO it can help to wait at least 60-90 days of nice usage/ somewhat improved profile before reaching for the stars. Granted, my 1st CLI was after circa 60 days, since I had no better fun, asked kinda earlyish on the 1st request...have had a handful since then too.
Edited by virtualtreasure, 02 June 2012 - 11:02 AM.
#19
Posted 02 June 2012 - 11:00 AM
I agree on the 60-90 days. I have had NFC for almost 6 months asked for a 4k limit increase and the declined due to my having a late payment hist with NFCU, I always paid my bill 10 days early in the branch and have all the stubs and statements to back this up. Def going to try for a reconsideration.
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