NFCU CLI - DENIED 😕

[Boss2Boss]

I opened my Cash Rewards card $1000 on 9/26/19. I have read that you can apply for a CLI at 91/3. My 3rd statement printed on 12/15 and I applied for a CLI on 12/16 for $25,000. It was denied. My question is did I apply too early? Should I have waited until 12/27? The reason for the denial on the letter is "Your Navy Federal credit card is too new".

[Jnbmom]

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@Boss2Boss wrote:
I opened my Cash Rewards card $1000 on 9/26/19. I have read that you can apply for a CLI at 91/3. My 3rd statement printed on 12/15 and I applied for a CLI on 12/16 for $25,000. It was denied. My question is did I apply too early? Should I have waited until 12/27? The reason for the denial on the letter is "Your Navy Federal credit card is too new".

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Yes 91 days from 9/26/19 is 12/27/19.......................................................................

[thornback]

Too soon.  You need both 91 days and 3 statements.   

91 days after 9/26 is 12/26.    Try again on 12/26 ---  or 12/27  on day 92 to be extra, extra safe. 

https://www.convertunits.com/dates/91/daysfrom/Sep+26,+2019  <<  for future reference.

[Boss2Boss]

Thank you. I definitely interpreted that wrong. I thought it meant either or but now I know.

[DoctorManhattan]

Good luck in a few days

[Boss2Boss]

I requested a $25,000 cli on my cash rewards card in which the beginning credit line was $1000 this evening and was approved for an additional 2k on my card. I need to know if there is a recon phone number for NFCU?

Secondly, I asked the representative I was pre-qualification for any new nfcu cards and he replied that I was "Eligible" to apply for the Amex, Flagship and Platinum cards. What exactly does eligible mean? The representative was very confusing. Does it mean that I am pre-qualified for all three of those cards?

[FinStar]

@Boss2Boss - As far as the CLI, you can send them a SM to see if if they can reconsider. But given that your initial CL was $1K, it's likely the additional $2K may have been sufficient exposure (in their eyes) based on your overall profile.

With regard to the pre-qualification, it means that you met their internal criteria for those products. Your decision whether you want to pull the trigger.

[Anonymous]

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@Boss2Boss wrote:
I requested a $25,000 cli on my cash rewards card in which the beginning credit line was $1000 this evening and was approved for an additional 2k on my card. I need to know if there is a recon phone number for NFCU?

Secondly, I asked the representative I was pre-qualification for any new nfcu cards and he replied that I was "Eligible" to apply for the Amex, Flagship and Platinum cards. What exactly does eligible mean? The representative was very confusing. Does it mean that I am pre-qualified for all three of those cards?

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NFCU usually won't entertain anything more than a 3X CLI on cards that start low.