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NFCU CLI - Data points!

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Hello friends!

 

I've received a CLI on my NFCU Platinum MasterCard, and while that in itself isn't too extraordinary I do have a few data points that might be useful to some others in the community, so I'm sharing here.

 

I opened my NFCU Platinum MasterCard last November... at the time my EQ was 710-ish and I had an old paid CO, and they approved me for $15.3k at 10.99% (since changed to 11.24% due to the Fed increase).  My income is modest compared to many on here, so I felt this was extremely generous, and I never felt the need/desire to try for a CLI... until now.

 

When the latest AR hit I "got the bug" and wondered if I might get a little bit more... I was hoping for a nice, even $20k to match my Sam's Club MC and Lowe's, currently my two largest credit lines.  I waited until Sunday (9/11) to make sure the AR had actually taken place, and I decided to use the "Maximum Amount" button rather than request a specific amount... I've read of others having good luck with that.

 

My request immediately went to review.  Smiley Indifferent

 

I did some research on here, and since by Monday evening I didn't see any change I knew that likely meant I had been denied.  That wouldn't have been a total shock, since I've added a handful of accounts back in May (when my reports became 'clean') and I've not had too many swipes on my NFCU card... most of the usage it's seen has been from balance transfers.

 

I was pleasantly surprised Tuesday to log in and see that my credit line has been increased to $20k - exactly what I was hoping for!  Smiley Very Happy

 

I'm still not sure what prompted my request to go to manual review; at first I thought it might have been since I used the 'Maximum Amount' button, but others have reported immediate increases when using that so it's doubtful it made a difference.  When I got my card back in November it was instantly approved and my score was lower and utilization higher than it is now, so I'm at a loss. 

 

Even though I'm fairly sure it was a HP, to go from $15.3k to $20k was worth it to me.  I'm writing here as a reminder to everyone that even if an AR has just taken place and you've never requested a CLI before (or it's been a while since your last CLI) there's no guarantee they won't do a HP.  Also, while usually when a manual review is done they make a decision quickly, they can take a couple of days (at least they did for me).

 

(For the sake of completeness, my current EQ is 743 - the lowest of all the bureaus - and I have no baddies.)

 

Hopefully someone in the community will find this info useful!  Smiley Very Happy


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