topic Re: Navy 91/3 (partial vs full) in Credit Card Applications

Navy 91/3 (partial vs full)

Remi1 — Fri, 06 Aug 2021 19:06:05 GMT

Okay so, I would appreciate some clarification if someone's willing to help me out with this...

-Husband and I both got our first Navy cards 5/27. Was hoping to squeak in our 91/3 for second cards before the current SUBs expire at the end of August.

-According to my math, our 91 days from approval would be 8/26 (have 8/27 marked on calendar for safety, might wait until 8/30 for extra cushion).

-Husband's card cut the first statement 6/4, (only 8 days after getting approved!). Clearly a partial first statement, so his 3rd full statement wouldn't be until 9/4.

-Conclusion for Husband: Won't be eligible for 2nd card until after 9/4, not in time for current SUBs.

-My card cut 1st statement 6/24, 28 days after approval. Is this still considered a partial statement, or is this long enough to count as a full statement?

-If partial, then I'm in same boat as Husband and won't be eligible as I won't be at 3 full until 9/24. If it's considered full, then I'd be at 3 full on 8/24, and 91 days 8/26, therefore squeaking in before end of August SUBs expiration.

So.. would that be a partial or full first statement?

Also, I've seen people apply for new card/CLI and be denied for being too early, and I realize this doesn't reset the 91/3 or 181 day "clock", however does NFCU still HP if you're too early on a new card app?

Re: Navy 91/3 (partial vs full)

AverageJoesCredit — Fri, 06 Aug 2021 19:17:25 GMT

@Remi1 wrote:
Okay so, I would appreciate some clarification if someone's willing to help me out with this...
-Husband and I both got our first Navy cards 5/27. Was hoping to squeak in our 91/3 for second cards before the current SUBs expire at the end of August.
-According to my math, our 91 days from approval would be 8/26 (have 8/27 marked on calendar for safety, might wait until 8/30 for extra cushion).
-Husband's card cut the first statement 6/4, (only 8 days after getting approved!). Clearly a partial first statement, so his 3rd full statement wouldn't be until 9/4.
-Conclusion for Husband: Won't be eligible for 2nd card until after 9/4, not in time for current SUBs.
-My card cut 1st statement 6/24, 28 days after approval. Is this still considered a partial statement, or is this long enough to count as a full statement?
-If partial, then I'm in same boat as Husband and won't be eligible as I won't be at 3 full until 9/24. If it's considered full, then I'd be at 3 full on 8/24, and 91 days 8/26, therefore squeaking in before end of August SUBs expiration.
So.. would that be a partial or full first statement?
Also, I've seen people apply for new card/CLI and be denied for being too early, and I realize this doesn't reset the 91/3 or 181 day "clock", however does NFCU still HP if you're too early on a new card app?

If you actually apply for a credit card, you will receive a hp, no ands ifs or buts. A hp is not dependant on approval or denial nor whether you are too early on applying. Not the same as cli fyi.

Re: Navy 91/3 (partial vs full)

AverageJoesCredit — Fri, 06 Aug 2021 19:18:18 GMT

To add , i would recommend waiting until 3 full statements for best results.

Re: Navy 91/3 (partial vs full)

Remi1 — Fri, 06 Aug 2021 19:35:02 GMT

@AverageJoesCredit wrote:
To add , i would recommend waiting until 3 full statements for best results.

@AverageJoesCredit Yes, that's why I'm trying to figure out / asking for advice on if my first statement would be considered a "full" statement, since it was 28 days? Or if it would still be considered a partial? I've had "full" statements with other companies range from 28-32 days. It's much easier to tell if its a partial in situations like DH's when it was only 8 days, lol. That's obvious. But the 28 days puts me on the fence, because I am unsure if it is long enough. Does it have to be 30+ days to count as full in this situation? Or is 28 long enough?

Re: Navy 91/3 (partial vs full)

AverageJoesCredit — Fri, 06 Aug 2021 19:53:00 GMT

@Remi1 wrote:

@AverageJoesCredit wrote:
To add , i would recommend waiting until 3 full statements for best results.
@AverageJoesCredit Yes, that's why I'm trying to figure out / asking for advice on if my first statement would be considered a "full" statement, since it was 28 days? Or if it would still be considered a partial? I've had "full" statements with other companies range from 28-32 days. It's much easier to tell if its a partial in situations like DH's when it was only 8 days, lol. That's obvious. But the 28 days puts me on the fence, because I am unsure if it is long enough. Does it have to be 30+ days to count as full in this situation? Or is 28 long enough?

To me 28 days feels like a full statement. To add if you go to your account and see 3 statements generated, i would feel confident on having met the criteria. I know you may want the subs now but remember the holidays are coming and Navy usually puts out nice subs for that time period so you might come out better waiting. Just my opinion of course.

Re: Navy 91/3 (partial vs full)

Remi1 — Fri, 06 Aug 2021 20:06:15 GMT

@AverageJoesCredit wrote:
@Remi1 wrote:

@AverageJoesCredit wrote:
To add , i would recommend waiting until 3 full statements for best results.
@AverageJoesCredit Yes, that's why I'm trying to figure out / asking for advice on if my first statement would be considered a "full" statement, since it was 28 days? Or if it would still be considered a partial? I've had "full" statements with other companies range from 28-32 days. It's much easier to tell if its a partial in situations like DH's when it was only 8 days, lol. That's obvious. But the 28 days puts me on the fence, because I am unsure if it is long enough. Does it have to be 30+ days to count as full in this situation? Or is 28 long enough?
To me 28 days feels like a full statement. To add if you go to your account and see 3 statements generated, i would feel confident on having met the criteria. I know you may want the subs now but remember the holidays are coming and Navy usually puts out nice subs for that time period so you might come out better waiting. Just my opinion of course.

Okay, thank you. 28 days feels like a full statement to me as well, but I was unsure of how strict the rule is (i.e. has to be 30 days, or something). As far as waiting to see next quarter's SUBs.. DH will definitely have to since he got a clearly short first statement and won't hit 3 full in time. So we may end up with a mix, of him waiting and me trying to squeeze in. But, I may end up waiting it out as well if I'm feeling too nervous on the timing.

Re: Navy 91/3 (partial vs full)

Anonymous — Sat, 07 Aug 2021 04:35:32 GMT

28 days counts for sure. My first statement from Navy was 25 days and that counted - I was able to get an increase at 91/3.

Re: Navy 91/3 (partial vs full)

Remi1 — Sat, 07 Aug 2021 04:51:21 GMT

@Anonymous wrote:
28 days counts for sure. My first statement from Navy was 25 days and that counted - I was able to get an increase at 91/3.

Perfect! I was hoping for some experience based answers. As I said above in a reply to AJC, 28 days definitely *feels* like a full statement, so I'm glad to hear that somewhere in that 25-28 day range counts as full. Looks like I should be set to go then towards the end of August!

Re: Navy 91/3 (partial vs full)

Anonymous — Sat, 07 Aug 2021 05:00:37 GMT

Hoping you get what you're after - please update this thread after you go for it

Re: Navy 91/3 (partial vs full)

OmarGB9 — Sat, 07 Aug 2021 13:48:32 GMT

@Remi1 wrote:
@Anonymous wrote:
28 days counts for sure. My first statement from Navy was 25 days and that counted - I was able to get an increase at 91/3.
Perfect! I was hoping for some experience based answers. As I said above in a reply to AJC, 28 days definitely *feels* like a full statement, so I'm glad to hear that somewhere in that 25-28 day range counts as full. Looks like I should be set to go then towards the end of August!

I, too, can confirm I had a short statement as my first one, but after having 3 more 25+ day statements (My 2nd overall, 1st full statement was 25 days), I was eligible for another card, applied, and got approved.

Re: Navy 91/3 (partial vs full)

Mr_Mojo_Risin — Sat, 07 Aug 2021 15:51:59 GMT

Just as a few others mentioned, I also had a 25 day statement and was fine for the 91/3.

Hope you have some great news soon!

Re: Navy 91/3 (partial vs full)

Duke_Nukem — Sat, 07 Aug 2021 16:46:58 GMT

In our experience, it wasn't only about the number of days the statement was cut since receiving an approval on a Navy CC app. I think the real hint to look for is actually the Minimum Payment Due on that 1st statement. If it is a short statement and it shows a $0 MPD, then I believe you should wait for a 4th statement. If that MPD is any amount other than $0, then I think that 1st statement counts as a "full" statement even if it doesn't include 28+ days.

My two DD's and DW each have two CC's with Navy. Typically, we would use the card the day it arrived to verify everything was good. With that practice, the first statement ALWAYS posted a MINIMUM PAYMENT DUE other than $0... even if the statement cut early at 14 days since application. All 6 CC's were able to get a CLI around 91-100 days and only 3 statements (including several statements with less than 20 days since application approval) and they were approved for their 2nd Navy CC's.

For my Navy CC that I got a few months ago, I didn't put any spend on it immediately. I had an early statement cut, and it had no minimum payment due on that first statement. I will definitely wait on my 4th statement (aka 3 "full" statements) before applying for my 2nd card or CLI.

This is just my theory and it needs more DP's to be confirmed. I wish I had put some spend on my card immediatly, then I could have tested the theory with a CLI request this month.

Re: Navy 91/3 (partial vs full)

Remi1 — Fri, 13 Aug 2021 03:53:25 GMT

Thank you everyone for the responses. It seems the consensus is that my 28 day first statement counts as full, so I think I will try it after the third statement hits and we shall see how it goes. I have ~two weeks left, so I will update this with the outcome then!

Re: Navy 91/3 (partial vs full)

Remi1 — Fri, 03 Sep 2021 04:55:47 GMT

Updating since I said I would:

I did not end up applying for a second card, due to a change in personal circumstances/plans. However, I did still go for the CLI. My 3rd statement would've cut Aug 24th and my 91 days would've been Aug 26/27th. I waited until after the weekend and requested the CLI on Aug 31st. Less than 24 hours later it was approved and reflecting in my available credit. So, it appears that, yes, my first statement did in fact count as a full one.

Thanks everyone!

Re: Navy 91/3 (partial vs full)

FinStar — Fri, 03 Sep 2021 05:03:22 GMT

As the OP has provided an update on their successful CLI, this thread is now locked and closed to new messages. Nice job with the CLI, OP!