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CLI - CSR or NFCU Flagship?

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Valued Contributor

CLI - CSR or NFCU Flagship?

What can I say, I need a few verbal opinions and/or lashings for this one and will fully utilize the boards opinions here.  In a nutshell, was thinking of two cards here, the Chase Sapphire Reserve and the Navy Federal Flagship.  Flagship is at 91/3 and was approved originally with a $10k approval.  CSR is exactly 11 months today, never had a CLI, and also started at $10.4k.

 

The question: Use a HP for the NFCU CLI, use the possible double HP on the CSR request, or none of the above? - Asking for a friend of a sister of a cousin's brother's mother's friend.


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Valued Contributor

Re: CLI - CSR or NFCU Flagship?

If I were your friend, removed 13 times of course for good measure, I’d take the Chase HP and try for Navy SP. Just putting it out there.
PERSONAL; Amex | AOD FCU | BBVA | BECU | Capital 1 | Chase | Citi | Discover | Key | NFCU | PSECU | SECU MD | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current F8s ~740 Best Ever F8s ~775
TOTAL PERSONAL CL > $350k and TCL > $365k
Message 2 of 10
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Community Leader
Super Contributor

Re: CLI - CSR or NFCU Flagship?


@Cred4All wrote:

What can I say, I need a few verbal opinions and/or lashings for this one and will fully utilize the boards opinions here.  In a nutshell, was thinking of two cards here, the Chase Sapphire Reserve and the Navy Federal Flagship.  Flagship is at 91/3 and was approved originally with a $10k approval.  CSR is exactly 11 months today, never had a CLI, and also started at $10.4k.

 

The question: Use a HP for the NFCU CLI, use the possible double HP on the CSR request, or none of the above? - Asking for a friend of a sister of a cousin's brother's mother's friend.


Got a kick out of this Smiley Very HappySmiley Very Happy so forgot what the question was and had to re-read it.

 

Oh I would definitely do the CSR first (once it's 12 months) and especially if that's the card you really want --to quote Chasing750--13X removed Smiley Very Happy, even if it may be 2-3 HPs. I say this because you're almost guaranteed for a CLI from NFCU and you can wait another month.

 

Just my 2cents.


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 3 of 10
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Moderator

Re: CLI - CSR or NFCU Flagship?

Chase is very unpredictable with HP CLIs. You may get nothing, very little or quite a bit 🤷‍♀️

 

 

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Valued Contributor

Re: CLI - CSR or NFCU Flagship?

All good information.. and I agree that if I were to opt for Chase initially on a CLI, shoud wait until August for the 1yr mark.  However, I know asking Chase for anything is like poking the bear, repeatedly, with less than guaranteed productive outcomes so... leaning toward a Navy CLI (But unsure what amount to ask for.) . I'll just continue to hope Chase steps up one day with an Auto-CLI.


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Frequent Contributor

Re: CLI - CSR or NFCU Flagship?

do you need the CLI? looking at your profile, it looks like you have plenty of credit already. 



In my wallet:


In my desk:
Message 6 of 10
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Community Leader
Super Contributor

Re: CLI - CSR or NFCU Flagship?


@kudosalert wrote:

do you need the CLI? looking at your profile, it looks like you have plenty of credit already. 


It doesn't matter whether OP's friend of a friend of a friend needs a CLI or not!

 

As Bob Hope said, A bank is a place that will lend you money if you can prove that you don't need it.!

 

Enough said. Smiley Wink


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 7 of 10
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Community Leader
Mega Contributor

Re: CLI - CSR or NFCU Flagship?

Give a FU to Chase and go Plat on your Flagship babySmiley Wink.
Message 8 of 10
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Super Contributor

Re: CLI - CSR or NFCU Flagship?


@Cred4All wrote:

Asking for a friend of a sister of a cousin's brother's mother's friend.


Why didnt you just say the friend of your/their aunt?


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>09/2020 CCT EX 818 TU 826 EQ 840

I'd get it one piece at a time
And it wouldn't cost me a dime
You'll know it's me when I come through your town
I'm gonna ride around in style
I'm gonna drive everybody wild
'Cause I'll have the only one there is around.

- Johnny Cash One Piece At A Time
Message 9 of 10
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Community Leader
Super Contributor

Re: CLI - CSR or NFCU Flagship?


@Meanmchine wrote:

@Cred4All wrote:

Asking for a friend of a sister of a cousin's brother's mother's friend.


Why didnt you just say the friend of your/their aunt?


Because then it wouldn't have been a fun puzzle to exercise this old brain of mine. Smiley Wink I actually liked trying to figure out who this person was; in actuality, though, we really know it's the person behind the question Smiley Very Happy


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
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