topic Re: Has anyone successfully gotten a CLOC CLI from Navy Federal recently? in Personal Finance

Has anyone successfully gotten a CLOC CLI from Navy Federal recently?

crystal626 — Mon, 21 Apr 2025 20:12:52 GMT

I just have a $500 limit and it's pretty low but I can't see any way to ask for an increase on the website so I was curious if they even offer them. I know they used to give like $15K to everyone but I missed that boat.

Re: Has anyone successfully gotten a CLOC CLI from Navy Federal recently?

Creditwiser — Mon, 21 Apr 2025 23:53:35 GMT

I believe now a days, its 3k max for CLOC or 5k if you're active duty. I would call them.

Re: Has anyone successfully gotten a CLOC CLI from Navy Federal recently?

gingerflower — Tue, 22 Apr 2025 01:08:39 GMT

You and call customer service to request a Cloc increase. If I remember the increase would be $3000- $5000

Re: Has anyone successfully gotten a CLOC CLI from Navy Federal recently?

crystal626 — Tue, 22 Apr 2025 18:07:09 GMT

Thanks. I submitted the application over the phone and I'm waiting for a reply. They wouldn't let me use household income so this one could go either way as my income is much lower than my partner's.

Re: Has anyone successfully gotten a CLOC CLI from Navy Federal recently?

Credit4Growth — Tue, 22 Apr 2025 18:10:43 GMT

🤞We are rooting for you, Good luck!

Did Navy offer any type of explanation for not letting you use 🤔 household income?

Re: Has anyone successfully gotten a CLOC CLI from Navy Federal recently?

crystal626 — Tue, 22 Apr 2025 18:12:10 GMT

They didn't but my partner isn't a member so that could be why. I've tried to get him to join but he's not interested in having another account to manage and he's been with Wells Fargo his entire adult life so he won't leave them either.

Re: Has anyone successfully gotten a CLOC CLI from Navy Federal recently?

FicoMike0 — Tue, 22 Apr 2025 22:55:10 GMT

@crystal626

This is a situation where it's better to ask forgiveness than permission. Just go ahead and use household income. If they catch you, it's "I didn't know.. . I'm sorry about the whole thing"

Re: Has anyone successfully gotten a CLOC CLI from Navy Federal recently?

crystal626 — Tue, 22 Apr 2025 22:57:35 GMT

@FicoMike0 wrote:
@crystal626
This is a situation where it's better to ask forgiveness than permission. Just go ahead and use household income. If they catch you, it's "I didn't know.. . I'm sorry about the whole thing"

Unfortunately I didn't have the monthly math for HHI available as I'm always asked about annual income.

I was denied. I plan to appeal it when I get my letter and ask them to just bump it to $1000. I have appealed denials before and been approved after giving my reasoning so hopefully that works again.

Re: Has anyone successfully gotten a CLOC CLI from Navy Federal recently?

KatzNDawgs — Wed, 23 Apr 2025 21:39:18 GMT

Does anyone know if the higher CLOC max applies to veterans as well as active duty?

Re: Has anyone successfully gotten a CLOC CLI from Navy Federal recently?

800wannabe420 — Thu, 24 Apr 2025 02:35:41 GMT

@KatzNDawgs wrote:
Does anyone know if the higher CLOC max applies to veterans as well as active duty?

@KatzNDawgs

The higher limit applies to active duty ONLY. Non-active duty members who have higher limits (i.e. 15k) that were acquired prior to the CLOC limit restrictions continue to retain their current limits.

Re: Has anyone successfully gotten a CLOC CLI from Navy Federal recently?

crystal626 — Tue, 29 Apr 2025 20:24:52 GMT

Got the denial letter yesterday. The only factors for the denial were the time with Navy Federal (I've been a member since 2018), not having direct deposit, and not being active duty.

I attempted to have them reconsider and they would not. They invited me to apply again and burn another TU inquiry for nothing. What a joke. This will probably be the last time I'll apply for anything from Navy Federal because the tone of the reply just really pissed me off honestly.