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Established Member
Posts: 27
Registered: ‎11-20-2012
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NFCU CLI 3-5 Day Message

How will I be notified when a decision is made? Navy has both my email address and cell phone number on file, so can I expect a text/email? Also, is there anything I can do to improve my chances or do I just wait it out and see? My current limit is $1,000 and I asked to raise that to $3,000.

 

As an aside, I applied for NavCheck directly after getting the 3-5 day message and was approved for $1,000, which is the amount I requested!

Starting Score: 567
Current Score: 585
Goal Score: 720


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Established Contributor
Posts: 509
Registered: ‎10-25-2012
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Re: NFCU CLI 3-5 Day Message

I applied for the cash rewards card yesterday, got the 3-5 message. Called back later that afternoon to see if they needed anymore info, they reviewed my app while on the phone and approved it within 5 minutes. But, that was for a new card not a CLI. So, YMMV

NFCU CashRewards $13.5k | AMEX BCE $15k | Lowes $17k | Sportsmanss guide $6.6k | Chase Freedom $1k | Discover IT $1.4k |
Walmart $8k | Gordman's $2550 |
Scores: EQ: 676 EX: 714 TU: 725 Goal: 750 across the board
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: NFCU CLI 3-5 Day Message

[ Edited ]

thoroughlyridiculous wrote:

How will I be notified when a decision is made? Navy has both my email address and cell phone number on file, so can I expect a text/email? Also, is there anything I can do to improve my chances or do I just wait it out and see? My current limit is $1,000 and I asked to raise that to $3,000.

 

As an aside, I applied for NavCheck directly after getting the 3-5 day message and was approved for $1,000, which is the amount I requested!


Congrats on NavCheck.

 

Best advice would be to call them about the CLI request, or just wait it out. It may take a couple of days to be processed, especially since this is a holiday weekend, but then again if you call it may be taken care of more quickly


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Established Member
Posts: 27
Registered: ‎11-20-2012
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Re: NFCU CLI 3-5 Day Message

I called Navy Federal and was told the request was declined. I'm going to send a message asking them to reconsider via online banking, but is there anything else I can do?

Starting Score: 567
Current Score: 585
Goal Score: 720


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Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: NFCU CLI 3-5 Day Message

I would just leave it along, garden your existing credit lines, and maintain a good relationship.

 

Reapply for the CLI in 4 months


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Established Contributor
Posts: 509
Registered: ‎10-25-2012
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Re: NFCU CLI 3-5 Day Message


webhopper wrote:

I would just leave it along, garden your existing credit lines, and maintain a good relationship.

 

Reapply for the CLI in 4 months


+1

NFCU CashRewards $13.5k | AMEX BCE $15k | Lowes $17k | Sportsmanss guide $6.6k | Chase Freedom $1k | Discover IT $1.4k |
Walmart $8k | Gordman's $2550 |
Scores: EQ: 676 EX: 714 TU: 725 Goal: 750 across the board

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