topic Re: Navy Fed CLI in Credit Card Applications

Navy Fed CLI

Jammo13 — Mon, 04 Mar 2024 18:18:46 GMT

Hey all. My last CLI for my More Rewards was 9/05. I applied yesterday based off miscalculation (180 days) and verified the reason was recent CLI. Should I reapply today (181 days) or wait til tmr?

Re: Navy Fed CLI

Wavester64 — Mon, 04 Mar 2024 19:57:10 GMT

@Jammo13 wrote:
Hey all. My last CLI for my More Rewards was 9/05. I applied yesterday based off miscalculation (180 days) and verified the reason was recent CLI. Should I reapply today (181 days) or wait til tmr?

I did this by accident with the NFCU PLatinum card back in '21.

I was declined - I realized I did it too soon - I needed 9-more days (thereabouts, I might have waited an extra day or 2 to make sure) tried again and I got approved for the CLI.

My advise - wait the extra day or 2 to make sure

Re: Navy Fed CLI

GZG — Mon, 04 Mar 2024 20:38:19 GMT

@Jammo13 wrote:
Hey all. My last CLI for my More Rewards was 9/05. I applied yesterday based off miscalculation (180 days) and verified the reason was recent CLI. Should I reapply today (181 days) or wait til tmr?

did your last CLI go pending and thus it wasn't 09/05/2023, the date they're using for your last CLI?

Re: Navy Fed CLI

CorpCrMgr1 — Tue, 05 Mar 2024 01:38:17 GMT

I'd wait a day.

Re: Navy Fed CLI

Linnaea — Mon, 25 Mar 2024 15:42:36 GMT

Following

Re: Navy Fed CLI

pakratus — Wed, 27 Mar 2024 02:45:36 GMT

Edit- Oh geez, I just noticed this was a few weeks old already.

I just did my latest CLI at 183 days. For some reason I set the reminder for 185 days (on purpose i guess?).

I think the whole 1 extra day thing (181 or 91 days...) is to allow for business-day stuff. Like if you request something after 5pm, it goes on the next business day's business. So, if you account for that, you're probably good to go on whatever day.

Re: Navy Fed CLI

Jammo13 — Thu, 28 Mar 2024 18:39:22 GMT

UPDATE: I got approved for 3x. thanks all

Re: Navy Fed CLI

keekers — Thu, 28 Mar 2024 19:44:29 GMT

Nice. Congrats.

Re: Navy Fed CLI

CorpCrMgr1 — Fri, 29 Mar 2024 01:59:17 GMT

Congratulations on your approval!