topic Re: Navy Federal CLI - Nice in Credit Card Approvals

Navy Federal CLI - Nice (Update)

Anonymous — Tue, 10 Jan 2017 09:29:20 GMT

Hello All! I am editing this post due to a mistake I made at the time of applying for the CLI!

So originally, I hit the Love Button around January 4. I stated that I went from $5K to $22K with an instant SP increase of $17K.

Well, I started to think about monthly v annual income due to a post I was reading on here yesterday. Both Discover and Cap 1 ask for annual income. I go into NFCU CLI page and notice that it asks for monthly income. Shoot, I think I put my annual income as monthly income, etc. Chatted with a rep at NFCU. She assured me that this happens frequently and not to worry. She contacted the lending team and they recalculated the amount based on my correct income! She came back, thanked me for my honesty and told me my new CL, effective immediately is $14,500. An increase of 9.5K. I am estatic with that!!! NFCU is awesome for the way they handled my mistake

Same data points as original post.

Data Points:

It is the CashRewards Card (no bonus offered at the time I applied for the card)

Account opening was 10/5/2016 Fico ScoresTU 667 , EX 690, EQ 703. My scores now are TU 686, EX 697, EQ 706

I only put maybe $600 on this card in the past three months, total. One month I carried a $180 balance and paid it off immediately once the statement cut. Other than that, the card reported $10 or $0.

Overall utilization on all cards always report 1%.

Between my Discover and NFCU, I'm Happy! But Cap 1 keeps denying me because I'm not using their card enough! Can't help it, I love my Discover and NFCU alot more right now. Maybe it's time to give Cap 1 some attention.

Re: Navy Federal CLI - Nice

irunfromcredit — Wed, 04 Jan 2017 14:37:44 GMT

Huge Congrats!!

Re: Navy Federal CLI - Nice

Anonymous — Wed, 04 Jan 2017 14:39:45 GMT

Thanks Irun!!!!

Re: Navy Federal CLI - Nice

Anonymous — Wed, 04 Jan 2017 16:29:43 GMT

Oh my gosh that's freakin fab!

Re: Navy Federal CLI - Nice

AverageJoesCredit — Wed, 04 Jan 2017 17:05:13 GMT

Hmmmm, ........CAP WHOOOOOO???????,

Thats an amazing approval on cli ItsPossible and certainly it is with you, lol.Enjoy all your success, youve earned it

Wow, with your spend last three months, and the recent lunch only spend approvals, this is my kind of spend( like me,average) lol. Seems Navy was tailored made for me haha. im comin for ya Navy, in time, but im comin

Re: Navy Federal CLI - Nice

Anonymous — Wed, 04 Jan 2017 17:10:24 GMT

Congratulations and way to go!

That is really really amazing (-:

Keep up the good work.... hehe.....

Re: Navy Federal CLI - Nice

Anonymous — Wed, 04 Jan 2017 18:41:52 GMT

Congrats! Those first CLIs with Navy can really knock you out of your chair. When I got mine, I couldn't stop logging in and making sure I didn't read it wrong.

Re: Navy Federal CLI - Nice

Anonymous — Thu, 05 Jan 2017 17:07:02 GMT

@Anonymous wrote:
Oh my gosh that's freakin fab!

Thanks smc4!!! That's what I thought when I saw it too!

Re: Navy Federal CLI - Nice

Anonymous — Thu, 05 Jan 2017 17:09:34 GMT

@AverageJoesCredit wrote:
Hmmmm, ........CAP WHOOOOOO???????,

Thats an amazing approval on cli ItsPossible and certainly it is with you, lol.Enjoy all your success, youve earned it

Wow, with your spend last three months, and the recent lunch only spend approvals, this is my kind of spend( like me,average) lol. Seems Navy was tailored made for me haha. im comin for ya Navy, in time, but im comin

Thanks AJC!!! Yes, It's Possible!

Couldn't have done it without the fabulous people on this forum and all the knowledgeable advice.

Yes, it's great that low/average usage like ours can bring in big CLI!!!

That is so unlike Cap 1. I'm traveling right now and have decided to use the Cap 1 card while here. Maybe they will feel a little better and give me some love when it is time for credit steps.

Re: Navy Federal CLI - Nice

Anonymous — Thu, 05 Jan 2017 17:11:09 GMT

@Anonymous wrote:
Congratulations and way to go!

That is really really amazing (-:

Keep up the good work.... hehe.....

Thanks FicodeMio! I hope to keep doing the right thing by my credit this time around. Before, I did have the awesome advice from members of this forum! Now that I do, the sky's the limit.

Re: Navy Federal CLI - Nice

Anonymous — Thu, 05 Jan 2017 17:13:00 GMT

@Anonymous wrote:
Congrats! Those first CLIs with Navy can really knock you out of your chair. When I got mine, I couldn't stop logging in and making sure I didn't read it wrong.

Thanks Noxqs! Yes sir/ma'am. That first CLI definitely threw me for a loop!!! And yep, I keep looking at mine too!

Re: Navy Federal CLI - Nice

Anonymous — Thu, 05 Jan 2017 19:48:31 GMT

Wow - what an increase! That's the way to get it done, ItsPossible! So very happy for you! A question: Have you app'd for a prime Cap One card yet? With your scores and new mighty nice CL's, you may not have to fret over Cap One's credit step card and it's very high APR. Have you app'd for any Citi, Chase or Amex cards? Your credit profile looks pretty good to me. Any way, Congratulations!!!

Re: Navy Federal CLI - Nice

Anonymous — Fri, 06 Jan 2017 00:59:57 GMT

@Anonymous wrote:
Wow - what an increase! That's the way to get it done, ItsPossible! So very happy for you! A question: Have you app'd for a prime Cap One card yet? With your scores and new mighty nice CL's, you may not have to fret over Cap One's credit step card and it's very high APR. Have you app'd for any Citi, Chase or Amex cards? Your credit profile looks pretty good to me. Any way, Congratulations!!!

Thanks Weedeb!!!

I have not app'd for a prime card yet. My account with Cap 1 is less than six months old.. So, I have to wait until end of Feb or beginning of March before I can apply for another card. And then in six months after that, I will combine the first card into the second card.

I can't apply with Citi, Case or Amex just yet. I had a BK7 in 2014. I didn't burn AmEx or Citi. I burned BOA. I didn't burn Chase in BK7 bc I didn't have a card with them. But, I did have to shortsale my house with them and a HELOC also went into the shortsale in 2013. Most of the reading on this forum suggests I will be denied bc BK is too new. I'm thinking I will apply for BOA and Citi secured card when I hit my one-year mark with my Cap 1 card to show good payment history for a full year. And then maybe I can get in that way.

Re: Navy Federal CLI - Nice

Anonymous — Fri, 06 Jan 2017 03:22:20 GMT

@Anonymous wrote:
@Anonymous wrote:
Wow - what an increase! That's the way to get it done, ItsPossible! So very happy for you! A question: Have you app'd for a prime Cap One card yet? With your scores and new mighty nice CL's, you may not have to fret over Cap One's credit step card and it's very high APR. Have you app'd for any Citi, Chase or Amex cards? Your credit profile looks pretty good to me. Any way, Congratulations!!!
Thanks Weedeb!!!

I have not app'd for a prime card yet. My account with Cap 1 is less than six months old.. So, I have to wait until end of Feb or beginning of March before I can apply for another card. And then in six months after that, I will combine the first card into the second card.

I can't apply with Citi, Case or Amex just yet. I had a BK7 in 2014. I didn't burn AmEx or Citi. I burned BOA. I didn't burn Chase in BK7 bc I didn't have a card with them. But, I did have to shortsale my house with them and a HELOC also went into the shortsale in 2013. Most of the reading on this forum suggests I will be denied bc BK is too new. I'm thinking I will apply for BOA and Citi secured card when I hit my one-year mark with my Cap 1 card to show good payment history for a full year. And then maybe I can get in that way.

My husband's bk was d/c 7/14. He actually burned Citi and, just a couple of months ago, received an instant approval for the Costco Visa Card, with a SL of $5.5K. You may not have to go the secured route with Citi. Your scores are very good, and you didn't burn Citi.. I think you have a good chance getting approved for that card. I've been seeing other peeps with fairly recent bk's getting approvals.

Re: Navy Federal CLI - Nice

Anonymous — Fri, 06 Jan 2017 06:57:49 GMT

My husband's bk was d/c 7/14. He actually burned Citi and, just a couple of months ago, received an instant approval for the Costco Visa Card, with a SL of $5.5K. You may not have to go the secured route with Citi. Your scores are very good, and you didn't burn Citi.. I think you have a good chance getting approved for that card. I've been seeing other peeps with fairly recent bk's getting approvals.

Good info weedeb. I am not a member of Costco and don't know if I would really use the card much. I am actually out of the country most of the time. But, this is something I will think about seriusly. Things that make you go---Hmmm.

Re: Navy Federal CLI - Nice

Anonymous — Fri, 06 Jan 2017 12:45:31 GMT

@Anonymous wrote:

My husband's bk was d/c 7/14. He actually burned Citi and, just a couple of months ago, received an instant approval for the Costco Visa Card, with a SL of $5.5K. You may not have to go the secured route with Citi. Your scores are very good, and you didn't burn Citi.. I think you have a good chance getting approved for that card. I've been seeing other peeps with fairly recent bk's getting approvals.
Good info weedeb. I am not a member of Costco and don't know if I would really use the card much. I am actually out of the country most of the time. But, this is something I will think about seriusly. Things that make you go---Hmmm.

Do you teach English?

Re: Navy Federal CLI - Nice

AverageJoesCredit — Fri, 06 Jan 2017 13:10:36 GMT

.....I read it ....

Sorry, too much jor this mornin'

Re: Navy Federal CLI - Nice

AverageJoesCredit — Fri, 06 Jan 2017 13:10:56 GMT

See, i meant joe, lol

Re: Navy Federal CLI - Nice

Anonymous — Fri, 06 Jan 2017 14:15:34 GMT

@AverageJoesCredit wrote:
.....I read it ....

Sorry, too much jor this mornin'

You're too much, buddy!

Re: Navy Federal CLI - Nice

Anonymous — Fri, 06 Jan 2017 14:30:58 GMT

@Anonymous wrote:

@Anonymous wrote:

My husband's bk was d/c 7/14. He actually burned Citi and, just a couple of months ago, received an instant approval for the Costco Visa Card, with a SL of $5.5K. You may not have to go the secured route with Citi. Your scores are very good, and you didn't burn Citi.. I think you have a good chance getting approved for that card. I've been seeing other peeps with fairly recent bk's getting approvals.
Good info weedeb. I am not a member of Costco and don't know if I would really use the card much. I am actually out of the country most of the time. But, this is something I will think about seriusly. Things that make you go---Hmmm.
Do you teach English?

Hi Weedeb! Business Professor.