topic Re: Navy Federal AR ? in Credit Card Applications

Navy Federal AR ?

Life_take2 — Tue, 11 Jul 2017 16:56:51 GMT

Is anyone aware of any AR inquiries from Navy FCU recently? The last time I saw an AR inquiry. was in 3/17 and prior to that was 1/17. The reason for the ask is I was able to time my last CLI request right after the January-17 AR and was able to see a nice CLI bump (2K to 10K) with an SP. I was hoping to wash-rinse-repeat that now that it has been 6 months, however, I do not see any 'recent' AR. Does anyone know if Navy is going to use the FICO 9 score now avail as the basis of review or moving to HP only. I am simply being greedy and hoping for a CLI without having to do an HP. Thoughts ?

Re: Navy Federal AR ?

Scupra — Tue, 11 Jul 2017 17:13:29 GMT

Even waiting for an AR doesn't guarantee you will get a SP CLI. It's just one HP, go for it if you want it

Re: Navy Federal AR ?

Anonymous — Tue, 11 Jul 2017 17:14:24 GMT

@Life_take2 wrote:
Is anyone aware of any AR inquiries from Navy FCU recently? The last time I saw an AR inquiry. was in 3/17 and prior to that was 1/17. The reason for the ask is I was able to time my last CLI request right after the January-17 AR and was able to see a nice CLI bump (2K to 10K) with an SP. I was hoping to wash-rinse-repeat that now that it has been 6 months, however, I do not see any 'recent' AR. Does anyone know if Navy is going to use the FICO 9 score now avail as the basis of review or moving to HP only. I am simply being greedy and hoping for a CLI without having to do an HP. Thoughts ?

It happens at the beginning of every odd numbered month, and has happened for July. I got an instant approval SP CLI last week

My understanding is that there is still always a risk of an HP with them. If you request it and it goes to review, you can try calling in to cancel the request and potentially avoid the HP if you really don't want it. No guarantees, though.

Re: Navy Federal AR ?

mrldp40 — Tue, 11 Jul 2017 18:27:51 GMT

Steeler ,have you seen the AR in your soft pulls ? I've checked nightly and haven't seen it yet

Re: Navy Federal AR ?

CreditInspired — Tue, 11 Jul 2017 18:43:09 GMT

I requested a CLI on my Platinum July 3 and it was a SP. However, I always assume a HP from NFCU. So when it is a SP after an AR, I'm super excited for the reprieve.

Re: Navy Federal AR ?

Anonymous — Tue, 11 Jul 2017 18:43:25 GMT

I never saw an AR done either. Some people posted it was done but never said which bureau or offered any further info with their post and never responded to further posts requesting more info. I believe some are assuming it was done because they got an instant CLI. I checked TU and EX and haven't seen a SP done on those two bureaus.

Re: Navy Federal AR ?

AverageJoesCredit — Tue, 11 Jul 2017 20:03:00 GMT

Maybe it was done to ARmy?

Re: Navy Federal AR ?

Anonymous — Tue, 11 Jul 2017 20:40:22 GMT

@AverageJoesCredit wrote:
Maybe it was done to ARmy?

LOL Joseph.

Re: Navy Federal AR ?

AverageJoesCredit — Tue, 11 Jul 2017 21:05:45 GMT

Go Navy

Re: Navy Federal AR ?

K-in-Boston — Wed, 12 Jul 2017 02:30:34 GMT

I also wonder if the AR is no longer happening since they are offering the FICO 09 score now. Submitted my "Maximum" CLI request today now that my 91 days/3rd statement have hit on my $24k Flagship and got the 24 hour message, so I guess it's going to review. If I just get the $1k to round up to $25k and it's a SP I'm good with that for now. If it's a HP and causes me to leave the garden I'm going to recon for the full $80k.

Re: Navy Federal AR ?

peghede — Wed, 12 Jul 2017 03:23:12 GMT

Ahh that 1k extra ...priceless

Re: Navy Federal AR ?

AverageJoesCredit — Wed, 12 Jul 2017 14:24:02 GMT

Lol, peghede, that extra 1k can make all the difference when impressing thy spouse

Re: Navy Federal AR ?

mcp3ak — Thu, 31 Aug 2017 16:30:06 GMT

Does it matter how long you have been a member when they do the AR? Also is it for sure 3 statements and not 90 days? I had my due date changed so they cut a statement early by about 15 days.

Re: Navy Federal AR ?

Anonymous — Thu, 31 Aug 2017 20:26:24 GMT

@mcp3ak wrote:
Does it matter how long you have been a member when they do the AR? Also is it for sure 3 statements and not 90 days? I had my due date changed so they cut a statement early by about 15 days.

The consensus is 90 days and three statements before requesting a CLI. So if you third statement occurs before the 90 day wait till the 90 day and vice versa.

Re: Navy Federal AR ?

AverageJoesCredit — Fri, 01 Sep 2017 02:51:19 GMT

Re: Navy Federal AR ?

mcp3ak — Sat, 02 Sep 2017 04:58:33 GMT

Thanks for the information. Always good to have others know what is going on.

Re: Navy Federal AR ?

700orbust — Tue, 05 Sep 2017 15:45:40 GMT

I've not seen a Navy AR since 2/28 on any CR. So it is indeed possible they are using the FICO scores to do CLIs if it meets a requirement. My guess is if the score isn't high enough they will pull.

Re: Navy Federal AR ?

TrynaGetRight — Tue, 05 Sep 2017 16:32:51 GMT

@ 700orbust I don't understand them, I opted for the cli but got the 24hr message and then I applied for a new card and was instantly approved for $20k. I only wanted to increase my little $2.6k cash rewards card and they go and give me $20k on a new card, makes no sense to me!

Re: Navy Federal AR ?

700orbust — Tue, 05 Sep 2017 17:21:39 GMT

Thats awesome. I hadn't asked for a CLI on my navy plat since 2011, finally did last month and went from 15 to 22k. The main reason I'd be interested in another card from them is either for a 0% promo or really for utilization benefits. My other goal on the navy plat is to get the rate reduced down.

Re: Navy Federal AR ?

Anonymous — Sat, 10 Feb 2018 15:51:15 GMT

Where do you see the ARs?