Does "New" NFCU Grant CLI at 91/3

[rbentley]

I joined NFCU in February and on 5/14 I will hit my 91/3 benchmark.  I had assumed that I could apply, with likely chances of approval, for a CLI at that time. My FICO 9 scores have gone up 35 pts since I joined. With the May AR having just hit there was the hope that just an app might not result in a HP.  I have since become confused over posts about "old" Navy and "new" Navy and that 91/3 CLI's might not be granted anymore.  Can someone clear up this confusion for me?  Is anyone else in a 91/3 successful in applying for a CLI this month?  Was it a HP or SP?

[FinStar]

There's a wealth of information already circulating on this active thread which should be able to provide some guidance.  The last several pages provide a variety of data points on this.

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Thread-for-CLI-and-Additional...

[rbentley]

I have read every post in that thread and many are contradictory or vague about how long they have had the card. Most if the CLI posts don't disclose whether a HP or SP resulted.

[Anonymous]

I recently received a cli at 91/3 and a new card. It wasn't this month and there were hard pulls for both. From what I've read, oft pull cli's aren't all that common at 91/3.

[ToughFistFight]

My personal experience.  After 3/91 I got a CLI and a second card.  It was a HP and Id say my Fico was the same as when I initially applied.  GL!!!

[rbentley]

How long ago was that?

[shoegal]

Last week was my 91/3 and I got a CLI. It was after the AR was done but I still received a HP. This is my first Navy card and I got the card in Jan 2018. My score has improved around 60 points since approval.

[ToughFistFight]

March, maybe mid?   

[Anonymous]

It has to be 91 calendar days.  February is only 28 days.  It made a difference in my case.  I ended up waiting 4 statement cycles and got a small CLI and a second card with a better credit limit.  My scores were up about 70pts.  I had two TU hard pulls.

[Anonymous]

Yeah I spoke with a rep today that sounded experienced as I asked him a number of questions and he was on the ball with them all.

He said it's 91st day with a HP.