topic Re: Nfcu best to go for new card or cli first? in Credit Card Applications

Nfcu best to go for new card or cli first?

Anonymous — Wed, 22 Apr 2020 07:06:54 GMT

I have one card ive had for a little over a year. I want to apply for a cli (its at 2k)

I would love to have a second card as well.

Would applyibg for one before the other benefit me somehow? If so, which way is best? Cli first or new card first?

Re: Nfcu best to go for new card or cli first?

Anonymous — Wed, 22 Apr 2020 08:22:12 GMT

If you apply for a new card first, there's a good chance they'll decline the CLI because of hitting their maximum unsecured limit.

What you should do is request your CLI (up to 3X your current limit), wait for the approval, and then apply for the second card.

Re: Nfcu best to go for new card or cli first?

AverageJoesCredit — Wed, 22 Apr 2020 12:17:29 GMT

Chicken or the egg lol

Re: Nfcu best to go for new card or cli first?

Anonymous — Wed, 22 Apr 2020 12:30:22 GMT

I did new card first and then CLI. + CLOC twas a good time lol

Re: Nfcu best to go for new card or cli first?

M_Smart007 — Wed, 22 Apr 2020 16:23:10 GMT

@Anonymous wrote:
If you apply for a new card first, there's a good chance they'll decline the CLI because of hitting their maximum unsecured limit.

What you should do is request your CLI (up to 3X your current limit), wait for the approval, and then apply for the second card.

Whut @Anonymous Said!

Re: Nfcu best to go for new card or cli first?

M_Smart007 — Wed, 22 Apr 2020 16:23:49 GMT

@AverageJoesCredit wrote:
Chicken or the egg lol

Neither .. it was the rooster

Re: Nfcu best to go for new card or cli first?

mmmagique — Wed, 22 Apr 2020 17:59:37 GMT

I got a CLI on my 9 month old card, waited a few weeks and apped for my second card, and then that same day apped for the 6% apr pandemic loan. I got everything I asked for.

Re: Nfcu best to go for new card or cli first?

SFLSpotter9210 — Wed, 22 Apr 2020 20:44:13 GMT

I went for a new card every time first before the CLI. And for me it was fantastic results as per my signature. But it maybe ymmv for each profile.

I appd for the go rewards card first then the more rewards card next then appd for CLI on go rewards which resulted in a 3X CLI from initial SL of 1K to 3K and more rewards SL of 25K.

Finally I appd for flagship card with 23,900 SL and a CLI on more rewards card of 8K from 25K to 33K. That's my story and I'm sticking to it.

Good luck with your journey 👍.

Re: Nfcu best to go for new card or cli first?

Anonymous — Thu, 23 Apr 2020 22:59:03 GMT

Always recommend a new card first. Then a CLI.

Re: Nfcu best to go for new card or cli first?

Wavester64 — Tue, 28 Apr 2020 18:33:42 GMT

@mmmagique wrote:
I got a CLI on my 9 month old card, waited a few weeks and apped for my second card, and then that same day apped for the 6% apr pandemic loan. I got everything I asked for.

congrats.jpg

Re: Nfcu best to go for new card or cli first?

Wavester64 — Tue, 28 Apr 2020 18:36:43 GMT

@SFLSpotter9210 wrote:

I went for a new card every time first before the CLI. And for me it was fantastic results as per my signature. But it maybe ymmv for each profile.

I appd for the go rewards card first then the more rewards card next then appd for CLI on go rewards which resulted in a 3X CLI from initial SL of 1K to 3K and more rewards SL of 25K.

I hope this happens with me when the time comes

Re: Nfcu best to go for new card or cli first?

Wavester64 — Tue, 28 Apr 2020 18:41:15 GMT

@Anonymous wrote:
Always recommend a new card first. Then a CLI.

Someone should do a poll on this with results!

I plan on doing what @Anonymous suggested to me once which is the opposite of what is being said here, but a poll of those who have apped and CLI request after 91/3 and how they did it with results would make for some interesting reading

Re: Nfcu best to go for new card or cli first?

TG10X — Thu, 30 Apr 2020 18:13:40 GMT

I recently applied for the second card first and then requested the CLI. I was approved for both! My understanding is that they pull from two different bureaus so it doesnt really matter which one you do first. I didnt get the full amount of my CLI request bc I hit NFs internal limit. But the card I applied for had a SL of $25,000.

i personally think you should go for the card first. They're known to be generous on the second card depending on your DPs, while my understanding of the CLIs is that they are closer to $8-9k increases. Pick your poison!

Good luck!

Re: Nfcu best to go for new card or cli first?

Aim_High — Fri, 01 May 2020 18:37:37 GMT

After thoughtful consideration, I elected to go for CLI first and then wait for requesting a second card. I went from $10K SL to $18K on my Platinum. This was the card I most wanted due to its' low 7.49% APR since I have other great reward card options. I am also not rebuilding so I don't need to focus just on Navy FCU by itself as some have done. It was suggested to me to go for whichever one you wanted more (the new card or the CLI) so that is what I did. I am waiting to apply for second or third cards. I am allowing my relationship with Navy to age which I think will improve my new card SLs. Banking is now almost 7 months old. I have also had other credit activity and felt it best to garden before applying for new cards. The cards I am most interested in would be More Rewards AMEX or Flagship Rewards.

Re: Nfcu best to go for new card or cli first?

AllZero — Fri, 01 May 2020 18:16:03 GMT

@Aim_High wrote:
After thoughtful consideration, I elected to go for CLI first and then wait for requesting a second card. I went from $10K SL to $18K on my Platinum. This was the card I most wanted due to its' low 7.49% APR since I have other great reward card options. I am also not rebuilding so I don't need to focus just on Navy FCU by itself as some have done. It was suggested to me to go for whichever one you wanted more (the new card or the CLI) so that is what I did. I am waiting to apply for second or third cards. I am allowing my relationship with Navy to age which I think will improve my new card SLs. Banking is now over 7 months old. I have also had other credit activity and felt it best to garden before applying for new cards. The cards I am most interested in would be More Rewards AMEX or Flagship Rewards.

Congratulations on your CLI.

It was mentioned the SUB was removed for the Flagship. Maybe it will return next quarter?

Re: Nfcu best to go for new card or cli first?

Aim_High — Fri, 01 May 2020 18:41:15 GMT

@AllZero wrote:
@Aim_High wrote:
After thoughtful consideration, I elected to go for CLI first and then wait for requesting a second card. I went from $10K SL to $18K on my Platinum. This was the card I most wanted due to its' low 7.49% APR since I have other great reward card options. I am also not rebuilding so I don't need to focus just on Navy FCU by itself as some have done. It was suggested to me to go for whichever one you wanted more (the new card or the CLI) so that is what I did. I am waiting to apply for second or third cards. I am allowing my relationship with Navy to age which I think will improve my new card SLs. Banking is now over 7 months old. I have also had other credit activity and felt it best to garden before applying for new cards. The cards I am most interested in would be More Rewards AMEX or Flagship Rewards.
Congratulations on your CLI.

It was mentioned the SUB was removed for the Flagship. Maybe it will return next quarter?

Thanks! Yes, that is another good reason to wait on that one. I had hoped it would have already returned by now!

Re: Nfcu best to go for new card or cli first?

AllZero — Fri, 01 May 2020 18:47:29 GMT

@Aim_High wrote:
@AllZero wrote:
@Aim_High wrote:
After thoughtful consideration, I elected to go for CLI first and then wait for requesting a second card. I went from $10K SL to $18K on my Platinum. This was the card I most wanted due to its' low 7.49% APR since I have other great reward card options. I am also not rebuilding so I don't need to focus just on Navy FCU by itself as some have done. It was suggested to me to go for whichever one you wanted more (the new card or the CLI) so that is what I did. I am waiting to apply for second or third cards. I am allowing my relationship with Navy to age which I think will improve my new card SLs. Banking is now over 7 months old. I have also had other credit activity and felt it best to garden before applying for new cards. The cards I am most interested in would be More Rewards AMEX or Flagship Rewards.
Congratulations on your CLI.

It was mentioned the SUB was removed for the Flagship. Maybe it will return next quarter?
Thanks! Yes, that is another good reason to wait on that one. I had hoped it would have already returned by now!

Same for me. I'll have to wait for it to come back.

Re: Nfcu best to go for new card or cli first?

recoveringfrombk7 — Fri, 01 May 2020 23:37:32 GMT

@AllZero @Aim_High did it just disappear? I swear I saw it yesterday. Hopefully it's back for my last 91/3. Looking for a final line up of More Rewards, Flagship, and then to PC my Cash Rewards to the Platinum.

Re: Nfcu best to go for new card or cli first?

AllZero — Fri, 01 May 2020 23:46:37 GMT

@recoveringfrombk7 . It's a new month. Yes, I recall Flagship SUB was there last month.

More rewards currently has 25,000 points SUB. I don't know if it's the same as last month.

Re: Nfcu best to go for new card or cli first?

recoveringfrombk7 — Sat, 02 May 2020 00:01:02 GMT

@AllZero yep, it is the same