04-28-2013 08:40 AM
So what it seems we know for sure:
~ Navy reps will usually say it's always a HP
~ What we seem to know is it is not... It is however like this:
~~ 1. You request and it's instant = that is a SP and you still have more room for more.
~~ 2. You request and it's countered for less than you asked = that is also a SP but you probably shouldn't ask for more right now unless you want HP
~~ 3. You receive 3-5 Day Message = HP!
I think the key in all this that people should start to realize is very much like Amex I think you can request at least up to $25k regardless of 3x current CL and if your account is eligible for some CL, it will counter back that amount instantly. So far no evidence shows that asking for smaller amounts is keeping you from getting a SP CLI, it's simply making you have to go back 10x to get what you really want and or is leaving you short of what you really could have.
Also starting to see folks with mulitple accounts getting CLI on both... unlike other issuers increasing one account doesn't seem to effect increasing another with SP too.
Not a hard rule but we are seeing the 3-4 month range being the usual earliest for better sucess at SP increases.
***Remember we are talking about Credit Cards only (possibly NavCheck but not sure why when you open this you don't just ask for the full $15k!)
Now if we could just get a couple people to confirm my theory of going in and asking for $25k CLI and post back... thanks
04-28-2013 08:51 AM
04-28-2013 08:55 AM
I hope thats right Creditaddict, If not I will have like 20 hp's for all that instant. I will not ask for anything for another 5 years lmao...
You are one of the latest that I hope confirms my thinking of just asking for $25k right out of the gate because you had to go back 10x and others have done this recently.
The only experience I have is on my partners card and he was at $25k and asking for $35 resulted in 3-5 day and a HP but was approved, so I don't know if that's a over $25k thing or if he just would have gotten the HP regardless.... I hope to soon be adding some more cards so I can test the theory more later possibly! haha but for now....
I think the other added note is Navy doesn't much seem to care about INQ, even if they do pull!
04-28-2013 09:06 AM
04-28-2013 09:33 AM
My experience is this regarding the length of time open before sp's are used.
Opened 12/22 - $2K recon to $5K
Requested CLI 3/10 - HP $7.5K
Requested CLI 4/8 - SP $10K
Requested CLI 4/24 - SP $15K
Requested CLI 4/25 - SP $20K
Requested CLI 4/27 - SP $22K requested $25K and countered at $22K
So on 4/8 I might as well have requested the full $25K and I would have gotten the counter !
04-28-2013 10:30 AM
04-28-2013 10:32 AM
Uggh I am still too scared to hit the button..lol The success stories are killing me!!!
04-28-2013 10:38 AM
I'd had strictly auto-CLIs from a starting limit of 5k up to 10.5K where it was currently. Decided to give this a try - asked flat out for 25,000 and they countered with 12,500. Soft pull. I'll have to keep doing this every once in a while! Thanks for the tip.
04-28-2013 10:44 AM
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