topic Re: Navy Federal in Credit Cards

Navy Federal

Anonymous — Tue, 17 Oct 2017 02:49:54 GMT

Hello All!!

I've lurked and posted a few times. I am curious to know data points of people who have received their CLI and additional NFCU card(s) after their 90+days and 3 statements. I am a couple of weeks away from my mine and just curious to know.

I have read the extensive thread on NFCU but didn't see anything around this. Forgive me if this has been asked before.

Thank you!

Re: Navy Federal

Anonymous — Tue, 17 Oct 2017 03:12:37 GMT

I hit my 90 days at the end of an even numbered month and requested a CLI at the end of the first week of the following odd numbered month (when they supposedly do their internal review of accounts.)

I didn't get a hard pull (though always expect one with Navy so you're not surprised) and got an instant CLI from $1k to $20k. This was 4 months or so ago now. I always pay this card in full and figured they'd have no issue giving me their Amex when it came out, but I was denied. With my BK reporting, I think they gave me a big chance with the $20k and are stepping cautiously until I have more history with it's usage.

You can try requesting a CLI one week into November and see if it works for you. Good luck!

Re: Navy Federal

Anonymous — Tue, 17 Oct 2017 03:31:34 GMT

@SteelerNYC wow that was a great increase!! I have read that an AR happens in November so I'll be waiting until then to see. Thanks for info!!

Re: Navy Federal

Anonymous — Tue, 17 Oct 2017 03:52:20 GMT

Hi TamDom08,

4/12/17 Approved for NFCU cashRewards Visa $1000 SL

7/17/17 Instant approval for $11500 CLI, total limit now $12500

On 7/14/17, my EQ FICO 08 was 688, and my Bankcard 09 was 705, according to myFICO, and my UTL w/NFCU was $631.81 per my 3rd statement that cut right before, so 63.2% (overall UTL 20%).

I hope this helps out! Good luck!

Re: Navy Federal

Anonymous — Tue, 17 Oct 2017 04:05:20 GMT

Hi @Bella007 Thank you! It does! Truly shows what people have said on these boards you treat Navy right they will do the same to you.

Re: Navy Federal

Anonymous — Tue, 17 Oct 2017 10:37:47 GMT

I actually waited 7 months before I asked for a CLI. This was before I found this forum. I got a 4K increase. Now I am impatiently waiting to hit the luv button at the 6 month mark.

Re: Navy Federal

Anonymous — Tue, 17 Oct 2017 12:07:16 GMT

Wow Steeler that's great and really encouraging!

My 91+ is October 31st, and I will be waiting until the end of the first week in November to do my first CLI request (looks like my statements cut on the 3rd). I actually already have 3 statements because when I was initially approved I elected to take the "rush" delivery of my card. So I automatically had a $12 charge just days before the statement cut. So, it has been killing me to wait it to be 90 days! I'm doing the countdown!

That said, I hope I'm as fortunate as you, and my Cash Rewards card that was instantly approved at $2,100 takes a nice jump. I am trying to keep my expectations low so I won't be super disappointed if not.

My TU at app was 602

Current TU is 645

Re: Navy Federal

Anonymous — Tue, 17 Oct 2017 13:35:05 GMT

@Anonymous wrote:
I hit my 90 days at the end of an even numbered month and requested a CLI at the end of the first week of the following odd numbered month (when they supposedly do their internal review of accounts.)

I didn't get a hard pull (though always expect one with Navy so you're not surprised) and got an instant CLI from $1k to $20k. This was 4 months or so ago now. I always pay this card in full and figured they'd have no issue giving me their Amex when it came out, but I was denied. With my BK reporting, I think they gave me a big chance with the $20k and are stepping cautiously until I have more history with it's usage.

You can try requesting a CLI one week into November and see if it works for you. Good luck!

Wow SteelerNYC Awesome CLI! Congratulations

Re: Navy Federal

Anonymous — Tue, 17 Oct 2017 13:40:01 GMT

@Anonymous wrote:
Hello All!!

I've lurked and posted a few times. I am curious to know data points of people who have received their CLI and additional NFCU card(s) after their 90+days and 3 statements. I am a couple of weeks away from my mine and just curious to know.

I have read the extensive thread on NFCU but didn't see anything around this. Forgive me if this has been asked before.

Thank you!

TamDom just wondering which card do you have with NFCU?

Re: Navy Federal

AverageJoesCredit — Tue, 17 Oct 2017 13:41:27 GMT

I went from $500 to $5k after my 3rd statement cut plus a little more than 90 days, probably in month #4. Approved in Feb, tried at end of April, no go, got letters saying too new account, tried 1st week of May, bam instant! Was a great feeling. Then in June pressed my luck went for second card and got approved for 6k Cash Rewards!.

Re: Navy Federal

Anonymous — Tue, 17 Oct 2017 13:56:49 GMT

@AverageJoesCredit wrote:
I went from $500 to $5k after my 3rd statement cut plus a little more than 90 days, probably in month #4. Approved in Feb, tried at end of April, no go, got letters saying too new account, tried 1st week of May, bam instant! Was a great feeling. Then in June pressed my luck went for second card and got approved for 6k Cash Rewards!.

AJC that's my plan! Thanks my friend

Re: Navy Federal

Anonymous — Tue, 17 Oct 2017 14:30:05 GMT

@Anonymous wrote:
Hi TamDom08,

4/12/17 Approved for NFCU cashRewards Visa $1000 SL
7/17/17 Instant approval for $11500 CLI, total limit now $12500

On 7/14/17, my EQ FICO 08 was 688, and my Bankcard 09 was 705, according to myFICO, and my UTL w/NFCU was $631.81 per my 3rd statement that cut right before, so 63.2% (overall UTL 20%).

I hope this helps out! Good luck!

Thanks for sharing this!!

For me:

10/7/17 Approved for NFCU cashRewards Visa $6500 SL (TU was 712)

1/15/17 Will try for my CLI (TU should be higher)

Re: Navy Federal

Anonymous — Tue, 17 Oct 2017 14:30:41 GMT

@ImaPirate I have the CashRewards initial CL $7900. I would like the GoRewards but since now the Amex has a perk I may app for it but don't want to waste my time as it seems more declines than approvals.

Re: Navy Federal

Anonymous — Tue, 17 Oct 2017 14:33:00 GMT

@AverageJoesCredit that's the plan I am thinking of as well. Since my 90+ hits at the end of the month I'll be waiting until the first week of November so I don't get the white envelope with. 😉

Re: Navy Federal

Sandman771 — Tue, 17 Oct 2017 14:33:05 GMT

I got shot down after my 91 days and three statements and tried again after 121 with no results. Coming on 151 this week, just wonder if I should pull an AJC and ask for a CLI again? lol Or wait until truly 181 days on the card and try then. UTI on that one isn't terrible and no missed payments or anything. Just thinking out loud.

Re: Navy Federal

Anonymous — Tue, 17 Oct 2017 14:36:23 GMT

@NikkNakkCredit that's great patience. I'm chomping at the bit but I know good things will come soon.

@mandm5698 we are in the the same boat!! So hoping we both have success come November!! 😀

Re: Navy Federal

Anonymous — Tue, 17 Oct 2017 14:37:48 GMT

@Sandman771 I hate that happened. Did they say why? Did you try recon?

Re: Navy Federal

Sandman771 — Tue, 17 Oct 2017 14:45:10 GMT

I tried to recon, but they wouldn't/couldn't answer my questions. Of course they turned around and approved my second card for 2.5 times the amount of my first one.

Then on my second attempt I just tried to match the two cards up again with no success. I've been constantly paying off bad stuff and my scores have went up so I may try again, just don't necessarily want another hard pull. I want a couple of more ayments to post to get the UTi back in line and I'll get my 3B report on Thursday so once I peruse that I'll be more prepared for a possible recon in case I need to go that route. Then it is just 30 more days of eating dirt and kicking rocks in the garden to make it to 181 days, so I may just do that.

I already called this morning about PCing my Flagship to the GoRewards since it is 3 points for gas and 2 points for dining instead of 2 points all the way around. So I maye do that in order to keep my itchy finger occupied. lol

Re: Navy Federal

Anonymous — Tue, 17 Oct 2017 15:01:53 GMT

Do you mind sharing what those bad things are?

Re: Navy Federal

Sandman771 — Tue, 17 Oct 2017 15:18:13 GMT

@Anonymous wrote:
Do you mind sharing what those bad things are?

I had multiple C/O's when I started. now down to two. All others PIF and those two are being paid down on monthly arrangements. And those changes have also reflected in my scores.