topic Re: Navy CLI in Credit Card Approvals

Navy CLI

Anonymous — Mon, 25 Jan 2021 18:30:51 GMT

hello everyone I opened an account with NFCU 91 days ago and was granted a $1k cc, I have currently only 10 months history with the following cards

Amazon Store Card at $6000

Discovery at $3000

TD Cash at $400

Citi Secure Diamond at $400

GS Apple Card at $5500

Self Loan at 8/12 month mark

and Navy at now $3000 should I recon for a higher limit and should I close the Citi and TD card?? My TD cash CC limit is low and dont use it and don't want a HP to raise the limit, my Citi secured card shows no sign of graduating soon 😢 I want to hear your thoughts! Thanks in advance.

Re: Navy CLI

Credit4Growth — Tue, 26 Jan 2021 01:23:02 GMT

Forgive me, I have no experience with those two cards you mentioned to be axed.

Others may assist but that Citi Card if not bucketed may become accessible for SP incrases after graduation.

Congratulations on your credit limit increase from Navy!

You have a nice line up of cards there that can be kept for the long haul (to keep and use) that can help in with your average age of revolving account .ie Discover, Apple and the Amazon card.

Re: Navy CLI

Anonymous — Mon, 25 Jan 2021 19:20:43 GMT

Thanks I try to use them all for all my expenses and so far would love to keep them all with the exception of TD bank, I'll keep it in but wont see much love with that CL and will see if Citi graduates my card at 1 year mark, which I doubt since I have applied for other CCs since getting it

Re: Navy CLI

805orbust — Mon, 25 Jan 2021 20:29:27 GMT

I love my TD Cash card. Its no annual fee so I wouldn't close it as it costs you nothing to have it age and who knows? Maybe you ask them for a CLI at some point. I have a $13,000 limit with them so I can tell you they're not scared of mid-sized limits.

Re: Navy CLI

cashorcharge — Mon, 25 Jan 2021 21:02:21 GMT

That's terrific! Congratulations on your CLI approval!! 🎉🥂

Re: Navy CLI

gdale6 — Mon, 25 Jan 2021 22:17:01 GMT

Grats on your NFCU CLI Most open a second card after the 91/3 and sometimes the SL can be 25K, depends on your overall profile.

Re: Navy CLI

CreditAggie — Mon, 25 Jan 2021 23:45:36 GMT

Congratulations on your NFCU CLI!

Re: Navy CLI

Irv02 — Tue, 26 Jan 2021 01:07:26 GMT

Congratulations on your CLI!!!

Re: Navy CLI

Anonymous — Tue, 26 Jan 2021 01:27:53 GMT

My first NFCU was 1000.00

@gdale6 wrote:
Grats on your NFCU CLI Most open a second card after the 91/3 and sometimes the SL can be 25K, depends on your overall profile

Re: Navy CLI

AllZero — Tue, 26 Jan 2021 02:23:30 GMT

Congratulations on your CLI!

Re: Navy CLI

Gatortrout — Tue, 26 Jan 2021 03:27:27 GMT

Did 3 full statements cut, or was it 2 and a partial?

Curious because I am over 91 days but have only had 2 full and 1 partial statement.

Re: Navy CLI

Anonymous — Tue, 26 Jan 2021 04:58:01 GMT

Thank you everyone I wanted to open a second card to hopefully get a nice SL but having a 6th CC open in less than a year even if I only have 1-2 HPs in each report, I want to let them age and maybe after cutting Citi in a 6 months I'll open another Navy

Re: Navy CLI

Anonymous — Tue, 26 Jan 2021 04:58:39 GMT

2 full statements and a partial

@Gatortrout wrote:
Did 3 full statements cut, or was it 2 and a partial?

Curious because I am over 91 days but have only had 2 full and 1 partial statement.

one

Re: Navy CLI

M_Smart007 — Tue, 26 Jan 2021 08:31:37 GMT

Congratulations!

Re: Navy CLI

Getty59 — Tue, 26 Jan 2021 18:10:59 GMT

Congrats on the CLI! 👍