@Bestman79 It is my pleasure 
plus if I can help I don't mind at all I am wanting everyone to get their best options and plus I love DPs. LOL
@Mr_Mojo_Risin wrote:
@Girlzilla88 wrote:@Bestman79 Are you sure you hit your FULL 3 statements, I show 3 right now but the 1st one isn't an actual statement (full statement) So mine will be ready/availble July 6th for 3 full statements and I got mine I believe it was in March too?! I'll have to look back but that may be a possibility?!?!
My first statement was 25 days long. Would that be considered a full statement?
Apologies to Wavester if I'm hijacking
No worries 
@Wavester64 wrote:DW has a NFCU Platinum that recently passed 91/3.
I assured her that a CLI would be a SP.
She called yesterday and requested a SP CLI, they told her that because she was asking for it
it's a HP and that she would have to wait a year before she could be eligible for an auto SP CLI.
To me that goes against ALL the DPs that are discussed on here.
She went for the HP CLI against my advising her not to - and she only got $400 on top of her current $1000, which also goes against all the DPs I have read on here.
I told her to call them back and see if she can app for another card under that same HP, and NFCU said she couldn't. This one I am not sure about but I figured since a HP was waisted, try for it.
I guess things are different now @ NFCU?
I have read on here and also on a Navy Federal Fan Club page on Facebook that if you call in and request a CLI it's a hard pull but if you do it on your own on their app or website it would be a soft pull. I applied for a CLI in May using their app for my More Rewards card and it was a soft pull for me. As far as I know it should still be a soft pull for CLI requests you do yourself. Sorry this happened to your DW!
@Bestman79 wrote:Hello,
I recently joined NFCU back in March and just hit my 91/3 on 6/19. Sorry to hear about DW $400 increase. Any increase beats nothing. After tons of reading on here my plan was to app for 2nd card then request online CLI on 1st card. Well declined for 2nd card, I immediately called to recon. Received email today stating" I've reached maximum limit" I take that lightly as I've only been a member just over 3 months. Still strange nonetheless if that was reason given for denial for 2nd card that I request increase on card 1 afterwards which SL was $1K and was increased to $3K. Given the current climate we're living in I'll happily take denial for now on the Cash back & $2K bump on my More Rewards. Truly thought denial would be for too many accounts as I have 1/6 , 7/12. Next increase request should be done online. Hope this helps.
It seems like it really depends on when you got your card approval in relation to how far in they were into the billing cycle. A rep has even said in some cases it isn't 91/3, but you need to get 4 statements because your first statement wasn't a full month's statement.
I applied for my 2nd card and got the same message you got when I did a reconsideration. I didn't have any pre-qualify offers when I got to 91/3 but after pondering for a few days I decided to apply anyway. I did a CLI request first at 95/3 and got $8000 more. I did my request for a CLI 2 days before applying for my 2nd card. On the day I applied for a new card I was at 97/3 and got denied. 1 month later I'm now at 4 statements and they say I'm pre-qualified for all cards. I haven't applied yet so it's possible I'd still get denied, but I do remember being pre-qualified for all cards before my 1st approval.
Just lost my post and I'm not retyping, so here comes a shorter version.
Opened card on 4/3, used it online to partially pay my internet bill on 4/7, statement cut the same day with the balance even though it says it was a full cycle due to the suggestions of others I'm holding off until after my 4th statement cuts on 7/7 as well before apping for my second card and a CLI on the first.
There's also not much reason to do the card app over the phone other than to check with them to see if you're pre-qualified and especially not for the CLI.
