topic Re: Navy plat cli denial in Credit Card Applications

Navy plat cli denial Updated approved

kickhard88 — Mon, 13 Mar 2023 10:30:05 GMT

so my 91 days was up went to apply got denied account too new called customer service said no cli until 1 year oh well

going to try amex next month 90 days is due maybe better luck with them

Just checked app got approved guess It wasn't 91 days yet it was for the full 8k new limit 15k

Re: Navy plat cli denial

sznthescore — Sat, 11 Mar 2023 16:40:34 GMT

Maybe you tried to early. 1yr for CLI?? 🤔 Are you sure it was 91+ days and 3 full statements?

Re: Navy plat cli denial

SUPERSQUID — Sat, 11 Mar 2023 16:53:21 GMT

I never heard of one year at NFCU except when an allocation change or interest reduction is involved.

You state you waited 91 days but perhaps 3 full statements didnt elapse. Check your online account statement and your statement dates will be on there. I have 2 NFCU cc's amd both of them had a partial first statement so i had to wait until the 4th month well beyond 91 days.

Whenever you request a cli do it online, if you call in you will be hit with an HP. ymmv

Re: Navy plat cli denial

kickhard88 — Sat, 11 Mar 2023 17:02:00 GMT

i opened the account on dec 10 first statement cut on jan 9 next one was feb 9 and now march 9. just got off the phone with another agent she said some get an increase at 91 days but others at 6 months i guess i'll believe her so that will be in june.

kinda want to apply for a second card but after this denial not too sure anymore have to be worth the hp like a 15k plus limit

Re: Navy plat cli denial

GZG — Sat, 11 Mar 2023 17:17:05 GMT

@kickhard88 wrote:
i opened the account on dec 10 first statement cut on jan 9 next one was feb 9 and now march 9. just got off the phone with another agent she said some get an increase at 91 days but others at 6 months i guess i'll believe her so that will be in june.

kinda want to apply for a second card but after this denial not too sure anymore have to be worth the hp like a 15k plus limit

the letter should tell you if you were denied for applying too early or for being at your unsecured limit

once you know that, you'll know how to proceed

Re: Navy plat cli denial

kickhard88 — Sat, 11 Mar 2023 17:35:53 GMT

didnt need the letter everyone that i talked to except one person said account is too new they dont do 91 days cli. One lady got pretty angry that i mention the 91 days cli. 6 months seems to be it atleast for me

Re: Navy plat cli denial

Creditwiser — Sat, 11 Mar 2023 17:40:40 GMT

@kickhard88 wrote:
didnt need the letter everyone that i talked to except one person said account is too new they dont do 91 days cli. One lady got pretty angry that i mention the 91 days cli. 6 months seems to be it atleast for me

Bizarre that she got angry and/or annoyed.

Taking offense to an educated consumer perhaps Makes me think she lurks in here

Re: Navy plat cli denial

Yasselife — Sat, 11 Mar 2023 19:51:27 GMT

@kickhard88 keep in mind you can request up to $8k next time you ask, just hope the lady(UW) doesn't get mad about that too.

Re: Navy plat cli denial

OmarGB9 — Sun, 12 Mar 2023 07:59:56 GMT

Just a thought, if you were denied for it being too soon, perhaps you were just off by a day. You say you opened the account December 10th, 2022, and you're right, 91 days from then would be today, March 11th, 2023, but did you open it late in the day on December 10th by chance? Cause maybe it was counted as if you opened it the 11th, meaning your 91 days would actually be tomorrow, March 12, 2023.

Re: Navy plat cli denial

kickhard88 — Sun, 12 Mar 2023 22:01:43 GMT

@OmarGB9 wrote:
Just a thought, if you were denied for it being too soon, perhaps you were just off by a day. You say you opened the account December 10th, 2022, and you're right, 91 days from then would be today, March 11th, 2023, but did you open it late in the day on December 10th by chance? Cause maybe it was counted as if you opened it the 11th, meaning your 91 days would actually be tomorrow, March 12, 2023.

no hurt in trying still got the under review will see if not just lower my expectation and just try in june. Still have other cards like disco and care credit that gives me cli with no problems now just need amex to follow thanks anyway

Re: Navy plat cli denial

OmarGB9 — Sun, 12 Mar 2023 23:43:03 GMT

@kickhard88 wrote:
@OmarGB9 wrote:
Just a thought, if you were denied for it being too soon, perhaps you were just off by a day. You say you opened the account December 10th, 2022, and you're right, 91 days from then would be today, March 11th, 2023, but did you open it late in the day on December 10th by chance? Cause maybe it was counted as if you opened it the 11th, meaning your 91 days would actually be tomorrow, March 12, 2023.

no hurt in trying still got the under review will see if not just lower my expectation and just try in june. Still have other cards like disco and care credit that gives me cli with no problems now just need amex to follow thanks anyway

Keep checking your app/online portal to see if your CL changes. Sometimes it happens overnight/without any warning. Either way, please keep us updated.

Re: Navy plat cli denial

SUPERSQUID — Mon, 13 Mar 2023 00:37:09 GMT

@kickhard88 wrote:
@OmarGB9 wrote:
Just a thought, if you were denied for it being too soon, perhaps you were just off by a day. You say you opened the account December 10th, 2022, and you're right, 91 days from then would be today, March 11th, 2023, but did you open it late in the day on December 10th by chance? Cause maybe it was counted as if you opened it the 11th, meaning your 91 days would actually be tomorrow, March 12, 2023.

no hurt in trying still got the under review will see if not just lower my expectation and just try in june. Still have other cards like disco and care credit that gives me cli with no problems now just need amex to follow thanks anyway

Under reveiw with NFCU is not necessarily a negative. All of my cli's with them went into 24 - 48 hour reveiw and all were approved.

Re: Navy plat cli denial

Meanmchine — Mon, 13 Mar 2023 01:52:18 GMT

My son-in-law is due for his 91 day cli.

I will be watching this thread

Good kyck

Re: Navy plat cli denial

kickhard88 — Mon, 13 Mar 2023 06:18:45 GMT

@OmarGB9 wrote:
@kickhard88 wrote:
@OmarGB9 wrote:
Just a thought, if you were denied for it being too soon, perhaps you were just off by a day. You say you opened the account December 10th, 2022, and you're right, 91 days from then would be today, March 11th, 2023, but did you open it late in the day on December 10th by chance? Cause maybe it was counted as if you opened it the 11th, meaning your 91 days would actually be tomorrow, March 12, 2023.

no hurt in trying still got the under review will see if not just lower my expectation and just try in june. Still have other cards like disco and care credit that gives me cli with no problems now just need amex to follow thanks anyway

Keep checking your app/online portal to see if your CL changes. Sometimes it happens overnight/without any warning. Either way, please keep us updated.

Looks like you was right thanks
Quick dp fico 9 score eq 740 no baddies small checking account and savings no dd

Re: Navy plat cli denial

sznthescore — Mon, 13 Mar 2023 06:35:43 GMT

@kickhard88 wrote:
didnt need the letter everyone that i talked to except one person said account is too new they dont do 91 days cli. One lady got pretty angry that i mention the 91 days cli. 6 months seems to be it atleast for me

And all we we're trying to do is help. Too new for a CLI mean to early on new accounts. Then you try again and get approved, but what do we know.

Re: Navy plat cli denial Updated approved

Rdbeetle — Mon, 13 Mar 2023 06:59:27 GMT

Congrats on eventually getting the CLI!!!

Re: Navy plat cli denial Updated approved

JoeRockhead — Mon, 13 Mar 2023 07:53:04 GMT

Very nice, congratulations!

Re: Navy plat cli denial Updated approved

gingerflower — Mon, 13 Mar 2023 17:01:38 GMT

@kickhard88

Congratulations on the Update CLI Approval with Nfcu. 👍

Re: Navy plat cli denial Updated approved

kh_jenn — Mon, 13 Mar 2023 18:28:11 GMT

Congrats on the approval! This thread is now locked to new replies, but please feel free to continue the discussion in the Approvals board.