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Does anyone have any evidence that the SP on 10/29 is used for recent CLI requests? I am intrigued now, but i'd rather not test the waters and risk a HP. I'm holding out for HARP3 so I can refinance my condo.
Ok so I have a question!
Nrward was 20,000.00 I took 5,000 over to Cash Rewards( no HP). so now I have Nrewards 15,000.00 and Cash Rewards 5,000.00 so do I have room on Both now for CLI?
Both have very high UTL for the moment. I have had NR for 6mo and CR 5months.
I just bought a car and have 10 INQ on EQ which they will pull if its a HP. I know NFCU dont care about inquirys. But th UTL is what I am wondering about.
Before I attempt this luv button .....
Whats are the thoughts on UTL being down first and age of cards? I know the first time will prob result in a HP..
@ktl72455 wrote:Ok so I have a question!
Nrward was 20,000.00 I took 5,000 over to Cash Rewards( no HP). so now I have Nrewards 15,000.00 and Cash Rewards 5,000.00 so do I have room on Both now for CLI?
Both have very high UTL for the moment. I have had NR for 6mo and CR 5months.
I just bought a car and have 10 INQ on EQ which they will pull if its a HP. I know NFCU dont care about inquirys. But th UTL is what I am wondering about.
Before I attempt this luv button .....
Whats are the thoughts on UTL being down first and age of cards? I know the first time will prob result in a HP..
If you haven't been with Navy for over a year in total (like with checking\savings etc before the cards or car loan), you might want to wait. They don't mind INQs or somewhat high UTIL but it depends on your file and history with them. Less than a year might not be the history they might need to see to extend more credit with what you've listed is on your CRs. For what you put in your siggy for a few past issues, I'd say you're doing fantastic already. You might want to wait a while and have lower UTIL before asking for anything more...
If you read through this thread (I think this is the correct one), you might find details on how the "luv button" supposedly works for HP and SP indicators, in case you want to try that route. Navy isn't known for closing accounts, but it has happened. Asking for too much too soon is usually the trigger from what I've read.