Navy Federal Thread for CLI and Additional Cards

[mzniko]

Im having a hard time too getting the cloc. Not even a counteroffer!!
I have two new cc with them. The cash rewards and a platinum. Guess I will have to wait!

[Anonymous]

My application for CLOC was denied and one of the reasons cited was that my income wouldn't support the requested amount. Which I can understand. 15K could be considered a lot against an income of 75K, and the other reason given was short history with NFCU. I'm just confused because I assumed they always countered you. Upset I wasted a hard pull. But it's all good.

[gibeon]

The underwriting for the CLOC is apparently a totally different department than the Credit Cards (and is also a little bizarre). I can't get an unsecured card with them, though I do keep applying for the Cash Rewards, but I did get a $3,500 CLOC, which was a counter offer from the $15k I requested.

My third statement on my Secured nRewards card cuts this week, so I'm going to try to call in and apply for the Cash Rewards again, and to bump up my CLOC hopefully.

[jologan79]

CA what are you thoughts...

I would really like to get a buisnes LOC and CC from Navy Federal. I just got the checking account today but I've had the savings a while.

My scores from this site is 670's (see sig line below)

I have a personal CC with a $7500 limit and a $15K LOC. My income is about $85k.

Thoughts....

[Creditaddict]

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@jologan79 wrote:

CA what are you thoughts...

I would really like to get a buisnes LOC and CC from Navy Federal. I just got the checking account today but I've had the savings a while.

My scores from this site is 670's (see sig line below)

I have a personal CC with a $7500 limit and a $15K LOC. My income is about $85k.

Thoughts....

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I would apply!

[jologan79]

I wonder if I did appwould they use the same HP for both?

Do you know?

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@Creditaddict wrote:

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@jologan79 wrote:

CA what are you thoughts...

I would really like to get a buisnes LOC and CC from Navy Federal. I just got the checking account today but I've had the savings a while.

My scores from this site is 670's (see sig line below)

I have a personal CC with a $7500 limit and a $15K LOC. My income is about $85k.

Thoughts....

---

I would apply!

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[Creditaddict]

Yes 1 TU pull

[jason86423]

So last month I combined my MC to my cash rewards card.. received a letter in the mail that NFCU wanted me to reconsider my decision to close my MC account.

I'm thinking- HMMM what do I do here.. so I called yesterday, the rep saw the previous limit, put in the request to reopen the MC.

Just logged in and see its back on my account- but no CL

Should I wait another day, press the CLI button or SM them?

All of my previous statements are online again, all account history shows.

[Creditaddict]

Wait

[jason86423]

that's what I was thinking also.. I'll give it another day to see if it updates back to the original CL.

thanks CA

I was surprised they even mailed me a letter giving the opportunity.