Navy Federal Thread for CLI and Additional Cards

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I'm gonna app the Amex in April. It'll be my 3rd card.

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I can't seem to get a CLI worth anything..  I may close one and reapply for another to get a higher SL I won't need to ask for a CLI on

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Have you waited 3 months or 6 months for a CLI?

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I ask at 3, get denied, got one at 6 month...  Very low tho

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I'm gonna app the Amex in April. It'll be my 3rd card.

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I can't seem to get a CLI worth anything..  I may close one and reapply for another to get a higher SL I won't need to ask for a CLI on

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Have you waited 3 months or 6 months for a CLI?

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I ask at 3, get denied, got one at 6 month...  Very low tho

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I just asked at just over 3 for my CashRewards (14.3K) and received a CLI up to only 17.5K. Kinda disappointed. Then apped a Platinum and received 15K which I'm satisfied with.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I'm gonna app the Amex in April. It'll be my 3rd card.

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I can't seem to get a CLI worth anything..  I may close one and reapply for another to get a higher SL I won't need to ask for a CLI on

---

Have you waited 3 months or 6 months for a CLI?

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I ask at 3, get denied, got one at 6 month...  Very low tho

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I just asked at just over 3 for my CashRewards (14.3K) and received a CLI up to only 17.5K. Kinda disappointed. Then apped a Platinum and received 15K which I'm satisfied with.

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My first card didn't start that high, and all I got was 2k increase, but second card got 4x SL.    I like SL much better

[Anonymous]

That's crazy how that works. But I'll take what I can get. I love NFCU.

[Anonymous]

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@Anonymous wrote:

That's crazy how that works. But I'll take what I can get. I love NFCU.

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10000% agree.  I just started my rebuild 8 months ago and they have been great.  

[SouthJamaica]

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@Anonymous wrote:

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@SouthJamaica wrote:

Update. I got turned down for my post-AR CLI request, but it was just because I had a CLI recently.

So... whew... no HP.

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@South, I'm so glad that there wasn't a HP. Too soon is the best news we can get if it's a no go!! Hope you're havin' a good week!!

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Thanks Wade, you have a good week too.

[Anonymous]

My scores are the same as yours. When I started I had 2 inqs and 2 small cards.

[Anonymous]

I received a letter from NFCU today in reference to my CLI from 12/30. It stated that my Equifax score was 760 on a scale of 334 to 818. I did a Google search and it seems that this score range is used for mortgages. Is this the score range the rest of you have read in your correspondence from NFCU? Can I extrapolate that my FICO 8 is 792? (My NFCU FICO 9 shows a score of 789 as of 1/4.)

[Anonymous]

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@Anonymous wrote:

My scores are the same as yours. When I started I had 2 inqs and 2 small cards.

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I did way back when I started.    When I started with nfcu I was low-mid 5's I think, so my first card was low due to that I think..  I should have gardened more and let it all grow I would have gotten better SL on the second card

[Anonymous]

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@Anonymous wrote:

My scores are the same as yours. When I started I had 2 inqs and 2 small cards.

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Its a lot more than just scores tho...  I think the bigger things that I can tell IME are DTI, Income and Util, maybe even more so, than score.