@Anonymous Did you mean you applied for CLI on your 95th day? You mentioned that on the big thread.
@AverageJoesCredit wrote:If your denial reason states account is too new , that just means you didnt have the appropriate wait time. It does not mention max limit or you do not meet lending requirements which are abit worse imo.
I'll respectfully disagree that you are relegated to 6 months waiting because of a $1k limit. This isnt Amex, where many say $1k is borderline and hard to break. Even than, not impossible. I started out at $500 and was able to get cli at post 91/3 plus s second card shortly after. Obviously YMMV. Its quite possible you mistimed it. With proper precautions no harm in trying again shortly.
@AverageJoesCredit By my count 2/9/2020 to 5/10/2020 is 91 days so unless three statements haven't been generated for the account the OP's timing is correct. Of course you're free to disagree but "six months" was what I was told one two separate occasions with two different cards; I even recounted the experience in this thread.
"Here's my story... I joined Navy Federal in May 2018 by opening a savings account thus avoiding the hard pull they did at that time just for membership. Initially my goal was to build a banking relationship but I decided to apply for a credit product after a week of membership. I applied for a Cash Rewards card and to my shock and disappointment was only approved for a $1,000 CL with a fairly high APR. I used the Cash Rewards card as my daily driver and always paid in full each month. At about 100 days and 3 statements I requested a CLI and was denied. The next month - September, 2018 - I persisted and asked again for a CLi and my limit was raised to $3,000 
In January 2019 I decided to take advantage of their annual $0 BT fee, 0% APR offer and applied for a second card - a Visa Platinum. It was approved with a starting limit of $15,000. Since the Cash Rewards card had such a low limit, I decided to close it and transfer its limit over to the Platinum card making it a $18,000 card. I immediately made a balance transfer of $14,000 to the Platinum then started paying it down aggressively. At roughly 100 days and 3 statements in April 2019 I asked for a CLI and was denied; called them up and was told that I had to wait for at least 6 months. So I tried again in July 2019 and was given a $10,000 CLI to $28,000. I completed paying off the BT before the promotional period expired, then in January 2020 requested another CLI and was approved for $8,000 bringing the card to a $36,000 credit limit. I also asked for the APR to be reduced and it was lowered to 10.49%.
Concurrent with the January 2020 CLI, I decided to apply for another Platinum Visa - just in case - and it was immediately approved for $18,700 at the lowest APR. Given the current situation it turned out to be a good move although I've never used the card; maybe I'll buy lunch with it this week just to show some activity. So my current status with Navy Fed is two Visa Platinum cards at $36,000 and $18,700 and I'll probably request they combine the limits at some point since neither card has a balance. I still don't have much of a banking relationship with Navy; I have just about $200 combined in my checking and savings accounts and haven't had a banking transaction with them in over a year.
