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NAVY Federal CLI and New Application Question

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Inspiredman
Valued Member

NAVY Federal CLI and New Application Question

I joined NFCU in September 2022, I was approved for only the Nsecured card with $2,000 CL even though my credit was in good shape with no baddies.

I was upgraded to the Cash rewards 6 months after which was March 2023, and CL was increased to $6,000 same day.

I want to apply for another CC and a CLI, does the 91 days apply from when i was upgraded to cash rewards 66 days ago or since i approved for the nsecured 8 months ago ?

Thanks for your help.

Message 1 of 3
2 REPLIES 2
GZG
Senior Contributor

Re: NAVY Federal CLI and New Application Question


@Inspiredman wrote:

I joined NFCU in September 2022, I was approved for only the Nsecured card with $2,000 CL even though my credit was in good shape with no baddies.

I was upgraded to the Cash rewards 6 months after, March 2023, CL was increased to $6,000.

I want to apply for another CC and a CLI, does the 91 days apply from when i was upgraded to cash rewards 66 days ago or since i approved for the nsecured 8 months ago ?

Thanks for your help.


for your cashrewards, it will be 181 days from your CLI that you can ask for another one

 

you're good to apply for a new card now since it's been more than 91 days since your nrewards approval

 

It will be 91 days if you're approved for the second card after which which you'll able to apply for a CLI on that new account

Starting FICO 8:
Current FICO 8:



0/6, 0/12, 4/24 new accounts
Message 2 of 3
Inspiredman
Valued Member

Re: NAVY Federal CLI and New Application Question

Thank you for your help. @GZG 

Message 3 of 3
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