topic Re: CLI - CSR or NFCU Flagship? in Credit Card Applications

CLI - CSR or NFCU Flagship?

Cred4All — Tue, 16 Jul 2019 17:54:55 GMT

What can I say, I need a few verbal opinions and/or lashings for this one and will fully utilize the boards opinions here. In a nutshell, was thinking of two cards here, the Chase Sapphire Reserve and the Navy Federal Flagship. Flagship is at 91/3 and was approved originally with a $10k approval. CSR is exactly 11 months today, never had a CLI, and also started at $10.4k.

The question: Use a HP for the NFCU CLI, use the possible double HP on the CSR request, or none of the above? - Asking for a friend of a sister of a cousin's brother's mother's friend.

Re: CLI - CSR or NFCU Flagship?

Caught750 — Tue, 16 Jul 2019 18:18:15 GMT

If I were your friend, removed 13 times of course for good measure, I’d take the Chase HP and try for Navy SP. Just putting it out there.

Re: CLI - CSR or NFCU Flagship?

CreditInspired — Tue, 16 Jul 2019 18:35:50 GMT

@Cred4All wrote:
What can I say, I need a few verbal opinions and/or lashings for this one and will fully utilize the boards opinions here. In a nutshell, was thinking of two cards here, the Chase Sapphire Reserve and the Navy Federal Flagship. Flagship is at 91/3 and was approved originally with a $10k approval. CSR is exactly 11 months today, never had a CLI, and also started at $10.4k.

The question: Use a HP for the NFCU CLI, use the possible double HP on the CSR request, or none of the above? - Asking for a friend of a sister of a cousin's brother's mother's friend.

Got a kick out of this so forgot what the question was and had to re-read it.

Oh I would definitely do the CSR first (once it's 12 months) and especially if that's the card you really want --to quote Chasing750--13X removed , even if it may be 2-3 HPs. I say this because you're almost guaranteed for a CLI from NFCU and you can wait another month.

Just my 2cents.

Re: CLI - CSR or NFCU Flagship?

Remedios — Tue, 16 Jul 2019 19:04:22 GMT

Chase is very unpredictable with HP CLIs. You may get nothing, very little or quite a bit 🤷‍♀️

Re: CLI - CSR or NFCU Flagship?

Cred4All — Wed, 17 Jul 2019 16:16:45 GMT

All good information.. and I agree that if I were to opt for Chase initially on a CLI, shoud wait until August for the 1yr mark. However, I know asking Chase for anything is like poking the bear, repeatedly, with less than guaranteed productive outcomes so... leaning toward a Navy CLI (But unsure what amount to ask for.) . I'll just continue to hope Chase steps up one day with an Auto-CLI.

Re: CLI - CSR or NFCU Flagship?

kudosalert — Wed, 17 Jul 2019 17:43:37 GMT

do you need the CLI? looking at your profile, it looks like you have plenty of credit already.

Re: CLI - CSR or NFCU Flagship?

CreditInspired — Wed, 17 Jul 2019 20:42:22 GMT

@kudosalert wrote:
do you need the CLI? looking at your profile, it looks like you have plenty of credit already.

It doesn't matter whether OP's friend of a friend of a friend needs a CLI or not!

As Bob Hope said, A bank is a place that will lend you money if you can prove that you don't need it.!

Enough said.

Re: CLI - CSR or NFCU Flagship?

AverageJoesCredit — Wed, 17 Jul 2019 23:27:10 GMT

Give a FU to Chase and go Plat on your Flagship baby.

Re: CLI - CSR or NFCU Flagship?

Meanmchine — Fri, 19 Jul 2019 03:32:41 GMT

@Cred4All wrote:
Asking for a friend of a sister of a cousin's brother's mother's friend.

Why didnt you just say the friend of your/their aunt?

Re: CLI - CSR or NFCU Flagship?

CreditInspired — Fri, 19 Jul 2019 13:20:34 GMT

@Meanmchine wrote:
@Cred4All wrote:
Asking for a friend of a sister of a cousin's brother's mother's friend.
Why didnt you just say the friend of your/their aunt?

Because then it wouldn't have been a fun puzzle to exercise this old brain of mine. I actually liked trying to figure out who this person was; in actuality, though, we really know it's the person behind the question