Jump to content

Search the Community

Showing results for tags 'Counteroffer'.

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


  • Intro & News
    • Please Read Before Posting - NEWBIES START HERE
    • CB gets Press!
    • CreditBoards Success Stories
    • Newbies Section
  • Creditboards Main Forums
    • Credit Forum
    • Medical Billing & Medical Collections
    • Bankruptcy
    • Foreclosures/Loan Modifications
    • Chexsystems Help
    • Debt Consolidation, Counseling and Management
    • Military Credit
    • Canadian Credit
  • Financing
    • Mortgages
    • Automotive Financing
    • Student Loans
    • Business Credit
  • Money Management
    • Money Management
  • Special Topics
    • VISA MC policies
  • Resources
    • Laws Laws Laws
    • Where can I Find?
    • CaseLaw
    • State Laws
    • Debt Collector Hall of Shame
    • Identity Theft
    • CreditPulls Database
    • Databases and Reference
    • Sample Letters
  • Misc.
    • General Discussion

Find results in...

Find results that contain...

Date Created

  • Start


Last Updated

  • Start


Filter by number of...


  • Start



Website URL






Member Title

Found 1 result

  1. So, I decided to try for a CLI on my NFCU Visa Platinum last week and was a little shy about asking for much so I just asked for a CLI from $13k to $15k. I clicked on the Increase My Credit Limit link inside my Visa account details screen, input my info in the the first screen, put how much I wanted and hit the submit button. It came back instant approval, so I was like GREAT! That's the first CLI I've received from them on the card I've had since 2008. After I did that I was searching the interwebs about CLI from NFCU since I couldn't find specifics on the forum here. I found a master thread on the MyFico forums, and their theory is that you can click on the link, fill in the info and if it immediately comes back with an approval or a counteroffer, then it's a soft pull. If it takes you to a second screen where you have to submit it's most likely going to be a hard pull. Their theory is that you should always ask for $25k at first and if you are already pre-approved for an amount between what you currently have and $25k it will counteroffer with that amount or give you the full $25k with a soft pull. If you ask for anything beyond $25k it will go for manual review, i.e. hard pull. Others on that thread have been successful in their CLI's with a soft using this method. If you don't get an instant approval or counteroffer after the first screen, you can cancel your request and no hard is pulled. Anyone tried this here? *Side Note* - This is only for credit cards through NFCU, the Navcheck is apparently always a hard pull.
  • Create New...

Important Information