Jump to content

Sign in to follow this  
foeplay

NFCU CLI success!!!

Recommended Posts

:clapping:

 

I pressed the love button and asked for $20k, the system told me that I am approved for $14k now and if I wanted more it would have to be reviewed. I just accepted it. Does this mean that I didn't get a hard pull? Also, what will happen if I hit the love button again in a week? Thanks

Share this post


Link to post
Share on other sites

You usually don't get a hard unless you continue on past what they will give you instantly. They gave you what they will give you without doing a hard pull. If you hit it again next week you will pick up where you left off today.

Share this post


Link to post
Share on other sites

Based on my experience last night, the instant CLI is not a hard. It is only a hard if you ask them to review for a higher amount, or if you do not get any instant CLI at all. Congrats!

Share this post


Link to post
Share on other sites

Thanks guys, I guess rather than wasting a hard on that I will use it to request 10k on my navchek :D

Share this post


Link to post
Share on other sites

Based on my experience last night, the instant CLI is not a hard. It is only a hard if you ask them to review for a higher amount, or if you do not get any instant CLI at all. Congrats!

If not instant, would they tell you that a pull is required and let us go for it or they just they tell you that a decision will be made soon?

Share this post


Link to post
Share on other sites

So u guys r saying hitting the luv button is not a hard pull? Am I really reading this correctly? I guess I'm next up

Share this post


Link to post
Share on other sites

So u guys r saying hitting the luv button is not a hard pull? Am I really reading this correctly? I guess I'm next up

Be careful, this isn't always the case. It all depends on whether or not the system has already pre-qualified for you an increase should you request one. If so it will give you that amount and ask if you want that or if you want more then it will be a hard pull. Also, if there is no pre-qualified cli then it will go straight to a hard pull. So if you can't afford an inquiry I wouldn't risk it.

Edited by foeplay

Share this post


Link to post
Share on other sites

So u guys r saying hitting the luv button is not a hard pull? Am I really reading this correctly? I guess I'm next up

Be careful, this isn't always the case. It all depends on whether or not the system has already pre-qualified for you an increase should you request one. If so it will give you that amount and ask if you want that or if you want more then it will be a hard pull. Also, if there is no pre-qualified cli then it will go straight to a hard pull. So if you can't afford an inquiry I wouldn't risk it.

 

So where would I look for pre qual? In my offers tab?

Share this post


Link to post
Share on other sites

So u guys r saying hitting the luv button is not a hard pull? Am I really reading this correctly? I guess I'm next up

Be careful, this isn't always the case. It all depends on whether or not the system has already pre-qualified for you an increase should you request one. If so it will give you that amount and ask if you want that or if you want more then it will be a hard pull. Also, if there is no pre-qualified cli then it will go straight to a hard pull. So if you can't afford an inquiry I wouldn't risk it.

 

So where would I look for pre qual? In my offers tab?

No, the only way to find out is by requesting a CLI which turns it into a gamble. I went in fully expecting a hard pull.

Share this post


Link to post
Share on other sites

So u guys r saying hitting the luv button is not a hard pull? Am I really reading this correctly? I guess I'm next up

Be careful, this isn't always the case. It all depends on whether or not the system has already pre-qualified for you an increase should you request one. If so it will give you that amount and ask if you want that or if you want more then it will be a hard pull. Also, if there is no pre-qualified cli then it will go straight to a hard pull. So if you can't afford an inquiry I wouldn't risk it.

 

So where would I look for pre qual? In my offers tab?

No, the only way to find out is by requesting a CLI which turns it into a gamble. I went in fully expecting a hard pull.

 

If ppl were to call in for a cli, wouldn't the csr be able to tell us if it's gonna be a hard pull?

Edited by djboy

Share this post


Link to post
Share on other sites

It's 50/50. It'll say.. congrats you're approved OR this has been sent for review. If you get congrats you're approved.. No hard. Review.. You'll get a hard. So it all comes down to how lucky you feel. :D

Share this post


Link to post
Share on other sites

Looks like my LOC CLI was approved! I asked for 10k, they called to verify my address so I am guessing I got the full amount! :clapping: They pulled EQ.

 

downloadcopy.jpg

Edited by foeplay

Share this post


Link to post
Share on other sites

Looks like my LOC CLI was approved! I asked for 10k, they called to verify my address so I am guessing I got the full amount! :clapping: They pulled EQ.

 

downloadcopy.jpg

 

 

Congrats, Foe! :wave::good:

Share this post


Link to post
Share on other sites

everyone else got me itchy so pulled the trigger. instant cli. went from 7500 to 12500 on cash rewards visa. asked for 20000 countered 12500. accepted

Share this post


Link to post
Share on other sites

I wanna pull the trigger, but Im afraid of a hard....well not afraid, but you know...... opened the card in April 2011...currently 25K limit.....used once...paid in full......think I should take the chance? Eq Fico is 782, 3 inq, 1% util......

Share this post


Link to post
Share on other sites

I wanna pull the trigger, but Im afraid of a hard....well not afraid, but you know...... opened the card in April 2011...currently 25K limit.....used once...paid in full......think I should take the chance? Eq Fico is 782, 3 inq, 1% util......

How much were you going to ask for? I think you are getting into the range where you almost always get a hard pull.

Share this post


Link to post
Share on other sites

congrats Foe..you got me wanting to pull the trigger but I just got the card in September (on a recon) so I think I will wait a while longer

Share this post


Link to post
Share on other sites

I tried three times doing an on-line CLI request for my Platinum and it comes back saying that "a condition exists which prevents the processing" of my request.

 

Has this ever happened to anyone else?

Share this post


Link to post
Share on other sites

I too have head of that. But I have requested a cli under 6 months without a problem. I thin the last time I heard of that was when someone had a fraud alert or a freeze or somthing like that

Share this post


Link to post
Share on other sites

:clapping:

 

I pressed the love button and asked for $20k, the system told me that I am approved for $14k now and if I wanted more it would have to be reviewed. I just accepted it. Does this mean that I didn't get a hard pull? Also, what will happen if I hit the love button again in a week? Thanks

 

I heard you talking about this yesterday. Glad everything went ok for you. On a side note how did you take a creen shot with your IPhone? I just got one about a month ago. I actually noticed that I had taken one of my home screen in my camera. But don't have any idea how. lol

Share this post


Link to post
Share on other sites

:clapping:

 

I pressed the love button and asked for $20k, the system told me that I am approved for $14k now and if I wanted more it would have to be reviewed. I just accepted it. Does this mean that I didn't get a hard pull? Also, what will happen if I hit the love button again in a week? Thanks

 

I heard you talking about this yesterday. Glad everything went ok for you. On a side note how did you take a creen shot with your IPhone? I just got one about a month ago. I actually noticed that I had taken one of my home screen in my camera. But don't have any idea how. lol

Press the home and sleep buttons at the same time on the screen that you want to take the shot of. Only took me two years to figure out, I always had these weird screen shots in my photos folder.

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  




  • Today's Birthdays

    1. MB82x
      MB82x
      Age: 38
    2. kforde
      kforde
      Age: 35
    3. tachynurse
      tachynurse
      Age: 37
  • Member Statistics

    • Total Members
      177,972
    • Most Online
      1,956

    Newest Member
    nmack
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines