@juniornj23 wrote:
Nfcu is a SP or HP ?
Hi juniorj,
When you request CLI on an NFCU card, it's generally a SP if the request is granted instantly, and a recent AR has taken place.
If the CLI request goes to review, it is generally a HP. Nothing is set in stone, but in general that seems to be the case.
In my situation, it's been a few weeks since the AR so I will be thrilled if it is SP. The last time I requested CLI, it was instant and was SP. Other myfico members are reporting HP after their CLI request went to review.
Applying for a new card is always a HP, even with an instant approval.
Hope this is helpful. 
@UncleB wrote:Huge congrats my friend!
That's how it's done!!
Yay, UncleB! Nice to see you and your enthusiasm and support is very much appreciated!
Cool photo, too!
@Anonymous wrote:Big congratulations! Well planned and well executed!
Thank you, my friend, I appreciate it and am thrilled!
Very nice to see you and sending warm wishes in your direction this morning for a wonderful weekend.
I'd also like to encourage those who are a bit frustrated with Navy Federal and not quite getting where they would like to very quickly with limits.
After my 1st card received a CLI, I tried for a 2nd card shortly thereafter (in early October I believe). The 2nd card I tried for was the Cash Rewards. While my first card was instant approval, my second card application requested POI documents. I ignored the application as I gladly provide POI for a mortgage, but not for a piece of plastic. So that request just timed out after 30 days and I didn't pursue it further at that time.
I applied again for the Cash Rewards during the first week of December and received an instant approval. So I do want to encourage others to try again if the situation isn't working in your favor at this time.
At times, Navy Federal can also be a little wonky. I just noticed this morning that someone with really low FICO scores has a $24,000 Cash Rewards card. Very unusual, I think.
I also thought it was weird to get a 6k initial approval with Navy on either card, but as you can see, those quickly increased within a few months to 24k and 22k.
My file also has no negatives in it and many brave people on the board are overcoming the difficult effects of negatives. I admire that and encourage you to stay the course.
Don't give up the ship, friends. Patience and relationship building are both paramount with Navy Federal. They have not let me down yet.
@Anonymous wrote:Congrats on your big CLI, and thanks for all of the info in your posts. Should be helpful to myself and others in the future
Thanks very much, Tigers! I'm happy to help in any way possible!