topic Re: After Navy Federal Strike 91/3 in Credit Cards

After Navy Federal Strike 91/3

Anonymous — Fri, 11 Dec 2020 05:16:45 GMT

Hello everyone, I am that Navy Strike Again guy from August 2020 that was approved for the goReward $20k in August, some weeks ago I hit my 91/3 mark and I slammed that increase my limit button as I was advised earlier by the Navy doctors on here requesting an additional $10K and the next day I woke up to $4k extra (Counter Maybe?) putting me at $24k total credit limit on that card.

Now that I have done that, what do I need to know now? Will I start getting bumped up in future or is there a something I need to know or to do again, I have made some research on this forum but did not find something that fully explain what I gotta do!

Secondly, my Wells Fargo card is still at $1,000 limit and my Capital One is still at $600, I started with Wells Fargo with $300 secured deposit credit card in 2018 when I just moved to the States and got my SSN freshly, so I guess I have not impressed them well enough lol but it has graduated to $1,000 with my deposit given back to me, any advice on how to bump those ones up will be appreciated, they are my oldest cards and I will not close them.

I always pay down my balances and keep my utilization at 5% and sometimes below but never at 0% before statement date and after statement cuts, I always pay them in full before due dates so I have never paid an interest on any of my 3 credit cards....... Yet lol

Thank You!

Re: After Navy Federal Strike 91/3

AllZero — Fri, 11 Dec 2020 05:08:53 GMT

Congratulations on your CLI! If that is your 1st NFCU card, have you considered applying for a 2nd NFCU card?

For your reading pleasure. Navy Federal Thread for CLI and Additional Cards

Re: After Navy Federal Strike 91/3

Anonymous — Fri, 11 Dec 2020 05:19:13 GMT

@AllZero wrote:
Congratulations on your CLI! If that is your 1st NFCU card, have you considered applying for a 2nd NFCU card?

For your reading pleasure. Navy Federal Thread for CLI and Additional Cards

Thanks for that link you provided, I will go take a look now.

Re: After Navy Federal Strike 91/3

AllZero — Fri, 11 Dec 2020 05:44:13 GMT

@Anonymous wrote:
@AllZero wrote:
Congratulations on your CLI! If that is your 1st NFCU card, have you considered applying for a 2nd NFCU card?

For your reading pleasure. Navy Federal Thread for CLI and Additional Cards
Thanks for that link you provided, I will go take a look now.

If eligible, have you considered USAA? PenFed is open membership.

Re: After Navy Federal Strike 91/3

gingerflower — Fri, 11 Dec 2020 05:42:12 GMT

@Anonymous

I would consider opening up a second Nfcu Cc. Also have you tried asking Wells Fargo and Capital One for a CLI.

Re: After Navy Federal Strike 91/3

Anonymous — Fri, 11 Dec 2020 05:52:39 GMT

@gingerflower wrote:
@Anonymous
I would consider opening up a second Nfcu Cc. Also have you tried asking Wells Fargo and Capital One for a CLI.

Which other NFCU CC would you recommend? I read somewhere on here that they have a limit of what they can give to each customer combine.

And about WF and Cap 1, Whenever I asked them for CLI, I always get like 100$ or $200 extra after SP. They want a HP but they are sneaky, I wouldn't want to get denied after HP'ing me.

Re: After Navy Federal Strike 91/3

Anonymous — Fri, 11 Dec 2020 06:00:07 GMT

@AllZero wrote:
@Anonymous wrote:
@AllZero wrote:
Congratulations on your CLI! If that is your 1st NFCU card, have you considered applying for a 2nd NFCU card?

For your reading pleasure. Navy Federal Thread for CLI and Additional Cards
Thanks for that link you provided, I will go take a look now.
If eligible, have you considered USAA? PenFed is open membership.

USAA is my primary bank, are they really generous with their credit lending decisions? Some banks still don't want to see me yet due to my young credit history. BOA set me on fire in October 2020 when I asked them for a 15k auto loan saying "I am new to credit" and what not lol but Chase Bank gave me a 2.99% apr same day.

Re: After Navy Federal Strike 91/3

AllZero — Fri, 11 Dec 2020 06:03:02 GMT

@Anonymous wrote:
@AllZero wrote:
@Anonymous wrote:
@AllZero wrote:
Congratulations on your CLI! If that is your 1st NFCU card, have you considered applying for a 2nd NFCU card?

For your reading pleasure. Navy Federal Thread for CLI and Additional Cards
Thanks for that link you provided, I will go take a look now.
If eligible, have you considered USAA? PenFed is open membership.
USAA is my primary bank, are they really generous with their credit lending decisions? Some banks still don't want to see me yet due to my young credit history. BOA set me on fire in October 2020 when I asked them for a 15k auto loan saying "I am new to credit" and what not lol but Chase Bank gave me a 2.99% apr same day.

I can't comment on USAA. NFCU is an outlier and is very generous. 2nd NFCU card may yield desirable starting limit.

Re: After Navy Federal Strike 91/3

cashorcharge — Fri, 11 Dec 2020 06:16:43 GMT

@AllZero wrote:
@Anonymous wrote:
@AllZero wrote:
@Anonymous wrote:
@AllZero wrote:
Congratulations on your CLI! If that is your 1st NFCU card, have you considered applying for a 2nd NFCU card?

For your reading pleasure. Navy Federal Thread for CLI and Additional Cards
Thanks for that link you provided, I will go take a look now.
If eligible, have you considered USAA? PenFed is open membership.
USAA is my primary bank, are they really generous with their credit lending decisions? Some banks still don't want to see me yet due to my young credit history. BOA set me on fire in October 2020 when I asked them for a 15k auto loan saying "I am new to credit" and what not lol but Chase Bank gave me a 2.99% apr same day.
I can't comment on USAA. NFCU is an outlier and is very generous. 2nd NFCU card may yield desirable starting limit.

I can add that USAA is not as generous as NFCU. As they are a bank...though have strict options for membership eligibility, they use EX and their CLI's are all HP. I would agree that NFCU is very generous and card #2 may be a good option.

Re: After Navy Federal Strike 91/3

M_Smart007 — Fri, 11 Dec 2020 08:11:51 GMT

I vote NFCU 2nd card for the win!