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Does "New" NFCU Grant CLI at 91/3

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Established Contributor

Does "New" NFCU Grant CLI at 91/3

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?

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Moderator

Re: Does "New" NFCU Grant CLI at 91/3

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...

 

 

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Established Contributor

Re: Does "New" NFCU Grant CLI at 91/3

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.
Message 3 of 12
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New Contributor

Re: Does "New" NFCU Grant CLI at 91/3

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.
4/2/18 FICO 8
EX 681 · EQ 671 · TU 692
Message 4 of 12
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Regular Contributor

Re: Does "New" NFCU Grant CLI at 91/3

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!!!


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Established Contributor

Re: Does "New" NFCU Grant CLI at 91/3

How long ago was that?

 

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Valued Contributor

Re: Does "New" NFCU Grant CLI at 91/3

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.


Message 7 of 12
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Regular Contributor

Re: Does "New" NFCU Grant CLI at 91/3

March, maybe mid?   Smiley Happy


Chase Business Ink 20k PenFed Plat Rewards VS 10k NFCU Go Rewards10700 BECU 10k Chase FU 6k NFCU Flag 12k Disco IT 5k Amex BCE 1k Gold Delta Skymiles Biz 5k Amex Biz Gold Rewards NPSL
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Regular Contributor

Re: Does "New" NFCU Grant CLI at 91/3

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.

Message 9 of 12
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Member

Re: Does "New" NFCU Grant CLI at 91/3

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.

Journey/Rebirth Start 1/17/18
5/3/18 Fico 8 EX 718 EQ 737 TU 714 - Fico 9 EQ 764
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