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Navy Federal Thread for CLI and Additional Cards

Frequent Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

I was approved for the nRewards on 11/18/14 for 500.00. I will post my CLI increases if any on Feb/18

BK13 filed 9/2009-DC-11/13. Falls off 9/2016
Starting Scores - EQ 509 || TU 528 || EX 540 - 9/2014
Current Scores - EQ 677|| TU 706 || EX 671 - 9/29/2015
Goal Scores - 720 across the board

NFCU Visa Signature Cash Rewards(14k)| NFCU GORewards(14k) | Capital One QS1 x's 2(1,800-2,300 | Venture(7k) | BarClay Rewards (1,500) | PenFed PLOC(500) | NFCU PLOC(15K) | BP(700)
Walmart(5k) | Amazon(5k) | Lowe's(5k) | Jcrew((5.5K) | Overstock(2.6K) | Paypal SmartConnect(2k)
Message 11 of 5,229
Senior Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

I'm hoping that I get some good news on Monday on my nRewards Visa app and I can continue to follow this thread. Smiley Tongue

 

EDIT: Approved 11/25. Initial CL $2,500. Smiley Happy

Keep both your credit and your body in top shape!


Message 12 of 5,229
Valued Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

little off topic but how inquiry sensitive is nfcu

Message 13 of 5,229
Established Member

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

i got approved for the n'rewards on 8/21/14.

when would be a good time to ask for a cli?

Message 14 of 5,229
Frequent Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD


Rhino71 wrote:

i got approved for the n'rewards on 8/21/14.

when would be a good time to ask for a cli?


NOW!

myFICO - EQ: 776 EX: 763 TU: 791
Message 15 of 5,229
Valued Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD


Rhino71 wrote:

i got approved for the n'rewards on 8/21/14.

when would be a good time to ask for a cli?


According to Creditaddict, NOW!


"The achievement of one goal should be the starting point of another."~Alexander Graham Bell

Fico 08 Scores: EQ: 673 TU: 717 EX: 671
Recovering my scores from March/April app spree!
Gardening again since July 2015 until December 2015.
Message 16 of 5,229
Established Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

This might be a little off topic, but thought this thread would have the people who knew best acout NFCU..I was just approved for my first NFCU CC last week...I know u can make a payment from your NFCU savings (or checking, I just have a savings) , but is there another way to make a payment? The only reason I am asking is because when I was on my other banks bill pay NFCU came up. It asked for the account number and just the zip code (no sure what that would be) so.it made me question if u are able to.make a bill payment from a different bank to your NFCU card. Also I read before that you can only make so many payments a month with NFCU after that they start putting your payments on hold. Sorry again for changing the subject I just have been searching for the answer and cant find it.
Message 17 of 5,229
Epic Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

1. NOT Inq sensitive at all!

2. Yes you can pay from other banks bill pay by adding your account number and the payment address off the statement on your navy credit card to pay from another bank.

3. I wouldn't be to concerned about payment holds if you are sending them in through another banks bill pay or unless you are running TONS through the card and paying every couple days... I have never had any issue and I tend to do a lot of moving of money in all my accounts.

Message 18 of 5,229
Valued Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

Navy loves giving out 2 cards and willing to split the limit on 1 to open a second

TU FICO: 672 EQ FICO: 660
NFCU LOC 15k NFCU CR Visa Sig 17.5k NFCU GR MC 17.5k Barclays RMC 10k Cap1 QS Visa 5k DFCU Visa Plat 4.6k R2G 3.7k RFCU Visa 3k Walmart 1k
Garden since: 1 Jan 2015
Message 19 of 5,229
Moderator

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD


1GaDawg85 wrote:

Navy loves giving out 2 cards and willing to split the limit on 1 to open a second


Guess that's what I should have done. Got $25K on Flagship and $10K instantly for LOC and then was denied two weeks later for Cash Rewards card.  Since then my scores have gone up quite a bit so I don't know whether I should just wait to reapply in couple months or what.

Message 20 of 5,229