NFCU CLI Question

[difringe]

So DW accidentally got a secured NFCU card last year; a few months later she app'd for the More Rewards card and got it (this was Oct 2021).  The secured card finally graduated this month, which is also 3 months after she got the second card. Is she eligible for a CLI (since 3 statements have been cut for the More Rewards card) or does the secured card graduation screw that up? Thanks!

[AverageJoesCredit]

---

@difringe wrote:

So DW accidentally got a secured NFCU card last year; a few months later she app'd for the More Rewards card and got it (this was Oct 2021).  The secured card finally graduated this month, which is also 3 months after she got the second card. Is she eligible for a CLI (since 3 statements have been cut for the More Rewards card) or does the secured card graduation screw that up? Thanks!

---

Navy cli are per card not per account so she is good to go if she has completed her 3 statement/ 90 + days on her More Rewards card. 

[OmarGB9]

As long as there have been 3 FULL statements (25+ days in billing cycle). Note that while the More Rewards is eligible for a CLI (assuming 3 full statements), the graduation (and subsequent CLI?) on the secured card may affect the outcome of said CLI request.

[difringe]

Thanks for the responses! The secured card did have a CLI upon graduation (from $200 to $2000).  I submitted the request for her and it didn't come back instantly with an approval, said they had to review something or another. I'll update when I've gotten a response, it had been 96 days and there had been 3 statements, so we'll see.

[OmarGB9]

---

@difringe wrote:

Thanks for the responses! The secured card did have a CLI upon graduation (from $200 to $2000).  I submitted the request for her and it didn't come back instantly with an approval, said they had to review something or another. I'll update when I've gotten a response, it had been 96 days and there had been 3 statements, so we'll see.

---

Yes keep us updated. Just a heads up though: they may not communicate anything whether approved or denied. Oftentimes they'll quietly grant the CLI, or quietly deny it with no notification either way. 

Also, just out of curiosity, how did your wife accidentally apply for a secured CC?