topic Re: First Navy CLI since joining last year! in Credit Card Approvals

First Navy CLI since joining last year!

DeeBee78 — Mon, 04 May 2026 21:34:48 GMT

I joined NFCU last year, after years of thinking I was ineligible for membership, but turned out to be double eligible between my father's army service and my grandfather's navy service.

I got approved for a CashRewards+ card with a $7,100 starting limit (ignore the typo that I can't edit in my old post) and tried the 91 day CLI after putting almost $6K in charges on it and PIF. No joy. I kept trying every 20-30 days, putting charges on it here and there, but still wasn't getting anywhere.

Last month I ran the card up to $5,500, paid it down to $3,500 before the statement cut, and waited. Today I bit the bullet, expecting another denial, but instead was rewarded with an increase to $13,100! It's not the $8K max increase, but I will definitely take it! Finally on that Navy Gravy Train™

Re: First Navy CLI since joining last year!

Tdatb64 — Mon, 04 May 2026 22:52:38 GMT

Congrats!

Re: First Navy CLI since joining last year!

Zoostation1 — Mon, 04 May 2026 23:39:06 GMT

Congrats on the CLI! You're starting limit was the same as mine.

Re: First Navy CLI since joining last year!

Vinjints — Tue, 05 May 2026 00:16:51 GMT

I'd count that as a win. I don't recall seeing too many DPs on what Navy actually wants for increases. Maybe it was just some additional time, and not necessarily more spend.

Re: First Navy CLI since joining last year!

RobertS2 — Tue, 05 May 2026 00:41:40 GMT

That's awesome. You went up in rank

Re: First Navy CLI since joining last year!

cashorcharge — Tue, 05 May 2026 03:58:49 GMT

WOOHOO!! Congratulations on your Approvals!!👏🏼🍾🥂

Re: First Navy CLI since joining last year!

Copenix — Tue, 05 May 2026 07:54:09 GMT

Congrats on your CLI

Re: First Navy CLI since joining last year!

pizzadude — Tue, 05 May 2026 15:34:39 GMT

Congrats on the Navy luv ! You'll get that $8K soon enuff

Re: First Navy CLI since joining last year!

bluenote-lp — Sun, 10 May 2026 04:55:11 GMT

Great job!

Re: First Navy CLI since joining last year!

bigpoppa09 — Tue, 12 May 2026 11:42:32 GMT

@DeeBee78 wrote:
I joined NFCU last year, after years of thinking I was ineligible for membership, but turned out to be double eligible between my father's army service and my grandfather's navy service.

I got approved for a CashRewards+ card with a $7,100 starting limit (ignore the typo that I can't edit in my old post) and tried the 91 day CLI after putting almost $6K in charges on it and PIF. No joy. I kept trying every 20-30 days, putting charges on it here and there, but still wasn't getting anywhere.

Last month I ran the card up to $5,500, paid it down to $3,500 before the statement cut, and waited. Today I bit the bullet, expecting another denial, but instead was rewarded with an increase to $13,100! It's not the $8K max increase, but I will definitely take it! Finally on that Navy Gravy Train™

Congrats it sounds like when Navy approved u for the card they gave u the Max for your profile and as someone else said i dont think it was the spend that got u the increase. It was your account got some age on it i put no where near that spend on my card and my last two NFCU CLIs have been the 8K max. With that increase amount i believe they are warming up to u your next one will probaly be the 8K max. And next request if it isnt instant dont fret i allways request at 6AM and by 7PM it shows on the account will be looking for your next post about your 8K max increase.

Re: First Navy CLI since joining last year!

JamesS84 — Thu, 14 May 2026 23:21:21 GMT

Congrats! By the way, did you trademark Navy Gravy Train LOL?

Re: First Navy CLI since joining last year!

BamaGrad99 — Fri, 15 May 2026 08:09:04 GMT

Congrats

Re: First Navy CLI since joining last year!

DeeBee78 — Sat, 16 May 2026 04:21:10 GMT

@JamesS84 wrote:
Congrats! By the way, did you trademark Navy Gravy Train LOL?

Gives it a little brand cachet, no?