Credit Cards

[MidnightOwl]

I had asked for a cli about 2 months ago of only $1000.00 and got it so, I was feeling kinda lucky tonight & decided to pull the trigger and ask for another $7000.00 since I only have 1 inq. on EQ and low & behold, I was approved instantly for another $7000.00 I love Navy  

[CS800]

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MidnightOwl wrote:

I had asked for a cli about 2 months ago of only $1000.00 and got it so, I was feeling kinda lucky tonight & decided to pull the trigger and ask for another $7000.00 since I only have 1 inq. on EQ and low & behold, I was approved instantly for another $7000.00 I love Navy  

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Nice CLI !! enjoy

[MidnightOwl]

TYVM... People weren't kidding when they said if your good to Navy they'll take care of you !

[eparker]

I am looking for my long lost relative so I can join NFCU.... 

Congrats....

[jason86423]

Navy is awesome.. asked for an increase from 1000 to 10,000, approved instantly today.  

[eparker]

thats a big jump....

[jason86423]

I was surprised also.  I have 2 cards with Navy.  Cash rewards visa @ $24,000 and now the Plat. MC @ $10,000

Absolutely love NFCU!

[ChesterPDexter]

Are they asking for employment documentation or any other things like that?  Or just approving it?  Instantly or the next day or a few days later?

Also, how long have you had the cards you asked for a CLI on?  Any balances owed to those cards?

I have two cards and they're pretty much maxed out because I took advantage of balance transfer offers.  I'd do a little bit more if they gave me a little bit more room, though.

I re-read and I see that you said "instant."  So, does this mean there is no hard credit pull?

[jason86423]

My CLI in November on my Cash Rewards Visa went to review.  Went from 17,500 to $24,000 - asked for $30,000 - this was a hard pull on EQ.  Had the account for just under 6 months.

My CLI today on my Plat MC was instant.  No hard pull, soft pull only on EQ.  No manual review.  Had the account for just under 7 months.

When I joined NFCU last May I app'd for the CR visa and the NavCheck and they required pay stubs and 2 bank statements at the time.  Have not requested docs since.  I do direct deposit a consistent $600 / month into my checking and pay bills with it but I do not think that really influences  the decision.

[MidnightOwl]

Mine was approved instantly online