topic Re: NAVYFCU Question in Credit Cards

NAVYFCU Question

Anonymous — Sun, 11 Dec 2016 19:38:56 GMT

All,

I have my first navy card at $2,900. My second bill will cut tomorrow. Should I wait until the 3rd month for a CLI, or can I try now? I have new credit with only 5 accounts since August, 2016.

My experian score is 671, but I have not generated a fico for TU or Equifax yet since my credit started on August 6 with a secured Capital 1.

Thanks,

Boyd11

Re: NAVYFCU Question

fltireguy — Sun, 11 Dec 2016 19:39:31 GMT

Wait until a little after your third statement cuts...worked for me

Re: NAVYFCU Question

Anonymous — Sun, 11 Dec 2016 20:41:46 GMT

As above poster said wait for 3 statements to cut.
I had flagship at 23,700 from August.After 3 statements cut requested CLI in November, got bumped to 25,000, also I was approved cash rewards for 6,3000.

Re: NAVYFCU Question

peghede — Sun, 11 Dec 2016 20:59:42 GMT

What about this one, Card open 70 days ago but 3rd statement cut yesterday, now do you go by 3rd statement cut rules or bu the 90 days rules.

Re: NAVYFCU Question

Anonymous — Sun, 11 Dec 2016 21:05:11 GMT

I believe it has to be both three statements and the 90 days. My GORewards had its third statement cut and I requested a CLI, but was denied. I had made the request just a few days short of the 90-days requirement mark, and the denial stated that my account was too new. I would wait until you reach the 90 day mark because it will be a HP unless your 90 days is after a recent AR, in which then it could have a chance at being a SP. I'm not sure when the next AR is.

Re: NAVYFCU Question

Anonymous — Sun, 11 Dec 2016 21:08:56 GMT

The Credit Card Applications side has some great threads created by CreditAddict on NFCU.

Re: NAVYFCU Question

Anonymous — Sun, 11 Dec 2016 22:31:00 GMT

Thanks all for the feedback,

Boyd11

Re: NAVYFCU Question

Aduke1122 — Sun, 11 Dec 2016 22:39:32 GMT

Next AR is Jan 1st , it needs to be atleast 90 days and 3 statements with a new AR is the advice CreditAddict gives on his threads . It's what I have seen lots of posters go by and be successful.

Re: NAVYFCU Question

woodyman100 — Sun, 11 Dec 2016 22:50:59 GMT

@Anonymous wrote:
I believe it has to be both three statements and the 90 days. My GORewards had its third statement cut and I requested a CLI, but was denied. I had made the request just a few days short of the 90-days requirement mark, and the denial stated that my account was too new. I would wait until you reach the 90 day mark because it will be a HP unless your 90 days is after a recent AR, in which then it could have a chance at being a SP. I'm not sure when the next AR is.

Now that your 3rd statement cut, wait for the January account review in a few weeks. You will be more likely to have success and a greater chance of a SP

Re: NAVYFCU Question

Anonymous — Sun, 11 Dec 2016 23:04:23 GMT

Thanks woodyman100! Sorry, I worded that poorly. The denial took place a bit back. I was able to successfully get a SP CLI with the most recent AR.

Re: NAVYFCU Question

Anonymous — Sun, 11 Dec 2016 23:34:19 GMT

How often does NFCU do AR's?

Thanks

Re: NAVYFCU Question

woodyman100 — Sun, 11 Dec 2016 23:39:38 GMT

@Anonymous wrote:
How often does NFCU do AR's?

Thanks

Every 2 months.

im going for a CLI on my Platinum on March 1st

Re: NAVYFCU Question

Anonymous — Sun, 11 Dec 2016 23:52:26 GMT

@woodyman100 wrote:
@Anonymous wrote:
How often does NFCU do AR's?

Thanks
Every 2 months.
im going for a CLI on my Platinum on March 1st

Thank you.

Re: NAVYFCU Question

kugel — Mon, 12 Dec 2016 01:40:54 GMT

Second time CLI with navy needs and better after 3 statements like first CLI I got ? Besides the another AR

Re: NAVYFCU Question

pizza1 — Mon, 12 Dec 2016 02:19:29 GMT

always wait for minimum 3 statements. 4 is better