NFCU CLI Multiple Cards?

[Iusedtolurk]

Hoping that someone has some experience or insight into this.

When you get a CLI on one NFCU card can you immediately apply for a CLI on another NFCU card or do you have to wait.

How likely would be your chance of approval on both cards for a CLI if you do app for increases on both?

Just wondering if you get approved for one CLI is it a good time to get approved for another one or should you spread your requests out as not to seem like you in trouble.

[coldfusion]

Unless NFCU has made a recent policy change that I'm not aware of the NFCU CLI eligibility cadence is still independent for each card.  Applying for a CLI on a NFCU card has no bearing on whether or not you're eligible to request one on a different card, you just have to be concerned about being eligible on the card you're looking to make the request against.

As to whether or not you'd actually get an approval for a CLI on the 2nd card would be a different story, that's going to be something tied to and specific to your individual credit profile.    While I've never read of anyone who successfully got them on 2 NFCU cards back-to-back - that doesn't mean it hasn't happened - I know of successes with getting one on a NFCU card less than 6 months after getting one on a different NFCU card.

[800wannabe420]

@Iusedtolurk 

I have received a CLI on 2 different cards on the same day, but as @coldfusion said, it is totally profile dependent.

First CLI was for 8K max and the second was for 1K.  I specifically requested both amounts. 🙂

[GZG]

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@Iusedtolurk wrote:

Hoping that someone has some experience or insight into this.

When you get a CLI on one NFCU card can you immediately apply for a CLI on another NFCU card or do you have to wait.

How likely would be your chance of approval on both cards for a CLI if you do app for increases on both?

Just wondering if you get approved for one CLI is it a good time to get approved for another one or should you spread your requests out as not to seem like you in trouble.

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it's per card like said above

you should go for the CLI on the one you really want it on before going onto the second one in case the first CLI changes what they're willing to give for the second one

[SouthJamaica]

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@Iusedtolurk wrote:

Hoping that someone has some experience or insight into this.

When you get a CLI on one NFCU card can you immediately apply for a CLI on another NFCU card or do you have to wait.

How likely would be your chance of approval on both cards for a CLI if you do app for increases on both?

Just wondering if you get approved for one CLI is it a good time to get approved for another one or should you spread your requests out as not to seem like you in trouble.

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You can apply for CLI's on both cards on the same day. I have no idea whether it's preferable to spread them out or not.

[RealEstateGuy89]

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@Iusedtolurk wrote:

Hoping that someone has some experience or insight into this.

When you get a CLI on one NFCU card can you immediately apply for a CLI on another NFCU card or do you have to wait.

How likely would be your chance of approval on both cards for a CLI if you do app for increases on both?

Just wondering if you get approved for one CLI is it a good time to get approved for another one or should you spread your requests out as not to seem like you in trouble.

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Yes, you can apply for CLI's on both cards at the same time as long as both cards are eligible for one.  I've seen instances where both were approved at nearly the same time. It will just depend on whether your credit profile can support the increases.  

If they can't increase both of your requests, a common credit denial reason is that you have currently hit the credit ceiling that Navy is currently willing to lend. That can change month to month so if you don't get an increase on one of the cards, you can request a CLI on that one anytime you want thereafter until you do get one. 

The current maximum CLI is $8k per card. When making the request online, make sure you enter the $$ amounts correctly.  A lot of people have entered incorrectly and left money on the table and have been pretty disappointed.   Navy can be generous, depending on how long the relationship is and how much business you've done with them.  Best of luck to you.