NFCU CLI WHILE CARRYING A BALANCE?

Anonymous · ‎09-19-2020

Hi, myFICO people! Long time lurker, but first time poster. Started my rebuild 2 years ago. Scores are now 749-754 with no negative marks. Have had an auto loan with NFCU since Dec 2019 and received my first NFCU cc in June 2020 (Plat MC, SL 3K @ 8.99).

Decided to wait until 3 "full" statements to apply for CLI, while holding off on 2nd cc until Dec (6 months after 1st cc). Have 7 cards in total with an aggregate utilization of < 9% (of $41.2k), but my Plat MC is at 30% from BT.

How likely am I to get a NFCU cli while carrying said balance? Thanks!

AllZero · ‎09-19-2020

30% utilization on that card appears to be a reasonable amount. Good luck on your CLI request.

M_Smart007 · ‎09-19-2020

Hi @Anonymous , and welcome to the forum!

I would ask, but keep in mind if you call in on the phone, would most likely receive a HP.

So I would ask via phone app or website (SP). You should have an answer back in 36-48 hours.

You can also read here;

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Thread-for-CLI-and-Additional-Cards/td-p/3419729