topic Re: New month new Navy😊 in Credit Card Approvals

New month new Navy😊

AverageJoesCredit — Sun, 08 Aug 2021 21:25:49 GMT

Normally wouldnt post this but ive been reading a possible change in Navy Federal Credit Union cli policy may have occurred so figured id share my dps to help those on the bubble.

First thanks go to the first to break the Covid4k special, @Anonymous . Without that post and a couple follow up posts, i probably would have continued requesting 4k on my cli. As an add on, ive tried twice in the last month, July, to get a 6 month cli on my newest Plat opened last December. Both times i believe i misjudged the timing. One thing that gave me hope on this card was last denial was due to recent change to account, not max exposure.

Anyway, still havent received last 2 attempts letters but seeing all these new 8k, and 6k approvals gave me hope and courage. Worse thing that happens is they say is no. So i put in 15k as final limit, from 7k and within a day, i checked my account and it read 15k! Approved. Simply amazing.

For background i have started using my Navy card, CR , almost exclusively, in appreciation for all Navy has given me. Back in May, Navy gave me 4k more on my CR pushing it to 33k! Then in June, my first Plat , which was at 1k ( i had moved 4k over to Plat#2 in Jan to complete a bt) i requested 4k and was rewarded with a 2k increase! So i have officially broken the 50k barrier on a subpar income 🙃. Thank you Navy, to all on their own Navy journey, keep the faith its worth taking.

At time of approval my Navy score, F9 , is 763. To my knowldege, hps on TU 17, EX 11, and EQ 26. Fico 8 about TU 757 EX 759 , EQ 762. no idea why score keeps rising with my debt load but its cool.

Hope it helps one person take the plunge, in sure glad others did so for me, cheers AJC

Re: New month new Navy😊

newfossil — Sun, 08 Aug 2021 21:27:19 GMT

Congratulations!

Re: New month new Navy😊

pizzadude — Sun, 08 Aug 2021 21:36:06 GMT

Congrats on the NFCU $8K CLI !!

Re: New month new Navy😊

CreditAggie — Sun, 08 Aug 2021 21:49:17 GMT

Congratulations on your NFCU CLI!

Re: New month new Navy😊

TekkenQQ7 — Sun, 08 Aug 2021 22:00:12 GMT

Congratulations, on the 15k cli. That's a good news, I just submitted mine yesterday still nothing changes on the accoun to report here. I did request 15k also from 2k, let's hope I can squeeze all the juice after the flagship denial. Still sad 😥

Re: New month new Navy😊

CreditCuriosity — Sun, 08 Aug 2021 22:03:14 GMT

Congrats on the nice CLI. Hopefully it helps you out and the scores continue to rise.

Re: New month new Navy😊

Mr_Mojo_Risin — Sun, 08 Aug 2021 22:04:38 GMT

Sweet AF Navy story! If it wasn't for people like you sharing your knowledge and experience, many of us wouldn't have much CL with Navy.

Big congrats on some massive success!

AJC the people's King of Navy😎

Re: New month new Navy😊

gdale6 — Sun, 08 Aug 2021 22:22:53 GMT

Grats on getting the CL you asked for out of Navy!

Re: New month new Navy😊

LadyJEsq — Sun, 08 Aug 2021 22:42:21 GMT

That's awesome AJC! Thanks so much for sharing.

Quick question....is this the CC you have a BT on? My NFP has a BT, so I decided I wouldn't ask for a CLI when I'm eligible because I thought they probably wouldn't approve it. But now I'm wondering......

Re: New month new Navy😊

KingRue8500 — Sun, 08 Aug 2021 22:51:00 GMT

Congrats on your NFCU CLI

Re: New month new Navy😊

FireMedic1 — Sun, 08 Aug 2021 22:51:31 GMT

Congrats! Reminds of your old Disco tickle 30 days for that CLI!

Re: New month new Navy😊

cashorcharge — Sun, 08 Aug 2021 23:52:55 GMT

That’s terrific! Congratulations AJC on your approval!! 👏🏼🎉🍾

Re: New month new Navy😊

Jnbmom — Mon, 09 Aug 2021 00:00:46 GMT

@AverageJoesCredit

Huge congrats

Good to see you post again

Re: New month new Navy😊

WowCool — Mon, 09 Aug 2021 00:15:20 GMT

Way to go man! Congrats on your 8k Cli !!!! You never cease to amaze!!!

Re: New month new Navy😊

AverageJoesCredit — Mon, 09 Aug 2021 00:40:20 GMT

@TekkenQQ7 wrote:
Congratulations, on the 15k cli. That's a good news, I just submitted mine yesterday still nothing changes on the accoun to report here. I did request 15k also from 2k, let's hope I can squeeze all the juice after the flagship denial. Still sad 😥

Good luck its always worth a shot and kinda fun too pushing the envelope

Re: New month new Navy😊

AverageJoesCredit — Mon, 09 Aug 2021 00:44:34 GMT

@CreditCuriosity wrote:
Congrats on the nice CLI. Hopefully it helps you out and the scores continue to rise.

Thank you CC. Definetly is a welcome addition for in case in the future i need to move my balance from PSECU in DEC after that promo ends.

I actually moved my bt from Navy in July to my Sears card, both had 7k limits so even thoughmy individual uti went up on the 7k card, somehoq my scores didnt drop and it was a gamble to see if by paying Navy back that helped my internal score. Looks like it worked

Re: New month new Navy😊

AverageJoesCredit — Mon, 09 Aug 2021 00:46:34 GMT

@Mr_Mojo_Risin wrote:
Sweet AF Navy story! If it wasn't for people like you sharing your knowledge and experience, many of us wouldn't have much CL with Navy.
Big congrats on some massive success!
AJC the people's King of Navy😎

Lol thanks @Mr_Mojo_Risin i would be in same boat were it not for this forum. Ive messed up along the way for sure but ive also learnt from it so hopefully we all benefit at the end of the day Cheers

Re: New month new Navy😊

AverageJoesCredit — Mon, 09 Aug 2021 00:48:14 GMT

@gdale6 wrote:
Grats on getting the CL you asked for out of Navy!

Thanks @gdale6 im still shocked it was almost instant lol.

Big lesson, pay attention to denial reason . If it says max, take a break. If recent change, you still have a shot

Re: New month new Navy😊

AverageJoesCredit — Mon, 09 Aug 2021 00:54:10 GMT

@LadyJEsq wrote:
That's awesome AJC! Thanks so much for sharing.

Quick question....is this the CC you have a BT on? My NFP has a BT, so I decided I wouldn't ask for a CLI when I'm eligible because I thought they probably wouldn't approve it. But now I'm wondering......

Well it WAS the one i had a bt on until my switcharoo in July, see my reply to @CreditCuriosity .

Some of my best Navy approvals have been when i didnt think id get approved for it. Lol actually past 20 g's i shouldnt get approved haha. Imagine making less than 25k and asking for 29k? Yeah i did haha. Always try, worse is a no and you can try again later

Re: New month new Navy😊

AverageJoesCredit — Mon, 09 Aug 2021 00:56:03 GMT

@FireMedic1 wrote:
Congrats! Reminds of your old Disco tickle 30 days for that CLI!

Haha, yup the good ol days with AJC Specials, Joltdude Specials and those brutal Brutalbodyshots Specials. Thanks FM1