topic Re: NFCU 91/3 in Credit Card Applications

NFCU 91/3

Anonymous — Mon, 20 Apr 2020 20:33:57 GMT

So I passed my 91/3 with NFCU and applied for a cli on my more rewards, got the 24 hr notice, well fast forward 5 days and I get a letter in the mail that says my navy federal credit card account is too new, I specifically set a reminder on my phone when my 91/3 would be and I added 3 days to it to be sure it had passed, I also applied for new card but got the same 24 hr review and letter that said my NFCU credit card account is too new so I dunno if they changed their time when you can get a cli or new card or what

Re: NFCU 91/3

M_Smart007 — Mon, 20 Apr 2020 20:02:08 GMT

@Anonymous wrote:
So I passed my 91/3 with NFCU and applied for a cli on my more rewards, got the 24 hr notice, well fast forward 5 days and I get a letter in the mail that says my navy federal credit card account is too new, I specifically set a reminder on my phone when my 91/3 would be and I added 3 days to it to be sure it had passed, I also applied for new card but got the same 24 hr review and letter that said my NFCU credit card account is too new so I dunno if they changed their time when you can get a cli or new card or what but I'm now 10 days out from my 4th statement and no cli yet

Somehow based on the Denial verbiage "navy federal credit card account is too new"

You may have inadvertently applied to soon. It will not hurt you at all. Call a NFCU rep and see

when true your 91 days are? , also make 100% sure thart "3" statements have cut.

You can be at 91 days, and if "3" statements have not cut, you will be be denied.

Re: NFCU 91/3

Anonymous — Mon, 20 Apr 2020 20:29:58 GMT

I have double checked and I have January statement, February statement and March statement and now I just noticed April statement has cut today! So scratch the 10 days out I'm a little behind......lol, so now we are 4 statements and no cli

Re: NFCU 91/3

M_Smart007 — Mon, 20 Apr 2020 20:32:10 GMT

@Anonymous wrote:
I have double checked and I have January statement, February statement and March statement and now I just noticed April statement has cut today! So scratch the 10 days out I'm a little behind......lol, so now we are 4 statements and no cli

Then I would call NFCU.

Re: NFCU 91/3

Anonymous — Mon, 20 Apr 2020 20:35:38 GMT

And I've kept my balance at 1 to 2 % and paid in full always

Re: NFCU 91/3

Anonymous — Mon, 20 Apr 2020 20:36:12 GMT

On phone with them now

Re: NFCU 91/3

Anonymous — Mon, 20 Apr 2020 20:48:39 GMT

got to wait a few more days according to rep, I told her my 4 th statement just cut, well low and behold my January statement was not a full billing statement, so my first full statement was February and so may 1st is when I can apply and should be approved according to her, she said my accounts all reflect great history with navy federal, so that gives me hope for a cli and a new card

Re: NFCU 91/3

EverForward — Mon, 20 Apr 2020 20:52:34 GMT

Good to know! Keep us updated!

Re: NFCU 91/3

M_Smart007 — Mon, 20 Apr 2020 21:39:36 GMT

@Anonymous wrote:
got to wait a few more days according to rep, I told her my 4 th statement just cut, well low and behold my January statement was not a full billing statement, so my first full statement was February and so may 1st is when I can apply and should be approved according to her, she said my accounts all reflect great history with navy federal, so that gives me hope for a cli and a new card

Re: NFCU 91/3

pt91978 — Mon, 20 Apr 2020 21:56:40 GMT

@Anonymous

how many days in billing cycle did it show in your first statement, if I may ask?

Re: NFCU 91/3

Wavester64 — Mon, 20 Apr 2020 22:19:25 GMT

@Anonymous wrote:
got to wait a few more days according to rep, I told her my 4 th statement just cut, well low and behold my January statement was not a full billing statement, so my first full statement was February and so may 1st is when I can apply and should be approved according to her, she said my accounts all reflect great history with navy federal, so that gives me hope for a cli and a new card

That's a good DP to know. It has to be a FULL billing statement.

Thanks for the info and good luck come May!

Re: NFCU 91/3

Mr_Mojo_Risin — Mon, 20 Apr 2020 22:25:38 GMT

Sorry you gotta wait a min. Good luck come May!!

Re: NFCU 91/3

Anonymous — Mon, 20 Apr 2020 23:15:22 GMT

@pt91978 wrote:
@Anonymous
how many days in billing cycle did it show in your first statement, if I may ask?

Now that I went back and look it was 11 days which don't make no sense to me but it is what it is, so my account runs from the 15th to the 15th of the month with the statement cut on or by the 20th according to navy federal

Re: NFCU 91/3

recoveringfrombk7 — Mon, 20 Apr 2020 23:41:43 GMT

@Anonymous wrote:
got to wait a few more days according to rep, I told her my 4 th statement just cut, well low and behold my January statement was not a full billing statement, so my first full statement was February and so may 1st is when I can apply and should be approved according to her, she said my accounts all reflect great history with navy federal, so that gives me hope for a cli and a new card

Out of curiosity, when was the inquiry/your approval and when was your first charge?

Re: NFCU 91/3

Anonymous — Tue, 21 Apr 2020 00:18:17 GMT

@recoveringfrombk7 wrote:
@Anonymous wrote:
got to wait a few more days according to rep, I told her my 4 th statement just cut, well low and behold my January statement was not a full billing statement, so my first full statement was February and so may 1st is when I can apply and should be approved according to her, she said my accounts all reflect great history with navy federal, so that gives me hope for a cli and a new card

Out of curiosity, when was the inquiry/your approval and when was your first charge?

Approval was in January and first charge was the day I received card which also in January and I got a statement for January but the statement wasn't a full billing statement, February was a full statement, I thought all Cc do full statements but I guess they'll do partial depending on when you're approved, I dunno, it's confusing to have a partial statement

Re: NFCU 91/3

recoveringfrombk7 — Tue, 21 Apr 2020 00:39:03 GMT

Right, I get that it was January. I was curious to know the dates for both.

@Anonymous wrote:
@recoveringfrombk7 wrote:
@Anonymous wrote:
got to wait a few more days according to rep, I told her my 4 th statement just cut, well low and behold my January statement was not a full billing statement, so my first full statement was February and so may 1st is when I can apply and should be approved according to her, she said my accounts all reflect great history with navy federal, so that gives me hope for a cli and a new card

Out of curiosity, when was the inquiry/your approval and when was your first charge?
Approval was in January and first charge was the day I received card which also in January and I got a statement for January but the statement wasn't a full billing statement, February was a full statement, I thought all Cc do full statements but I guess they'll do partial depending on when you're approved, I dunno, it's confusing to have a partial statement

Re: NFCU 91/3

Anonymous — Tue, 21 Apr 2020 08:31:43 GMT

humm , i think you should app for 2nd card would be a lot easy to get those 15k limit like other if you already pass 91/3, most credit increase after 91 days would be small. may i ask what was your Transunion score. Transunion for new app, Equifax for increase limit

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Thread-for-CLI-and-Additional-Cards/td-p/3419729

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Apps-quot-list/td-p/5542910