I have been trying since i hit the 3 month mark to get a CLI with Navy. I have charged large amounts and paid in full. I have let a balance report and paid some interest. I have paid in full and let it report zero. I have tried using it for all of my monthly charges for 1 month, paid in full, and then tried as well. It doesn't seem to matter what i do I continue to be denied with the reason I am at their maximum exposure limit. I have seen people with lower scores and income get higher. I have seen people get higher at the 3 month mark yet i continue to be denied past the 6 month mark. I never thought it would be this difficult to get a increase out of Navy, it was one of the reasons I joined because it seems so easy to get large limits and increases out of them, but I am in the small group that doesn't have such great successs so far with them.
If anyone has any insight as to how Navy works when it comes to CLI requests or any advice as to what I can do or try to get even a 500.00 increase out of them I would apprciate it. My scores are around 725 and my inquiries are low. My score has not dropped and I have not had any negative items or cards reporting more than 30%. I pre qualify for all of their cards. My other banks all grant my CLI requests with the exception of a bucketed Capital One. Has anyone else experienced this with Navy? If so, what did you do to get a increase or did you ever get one?
Thank you in avance for any advice 
you have the one card, it was approved at 16.4k?
direct deposit? flagship checking? balances with them?
even moving a token amount of your DD over to Navy would help considerably IMO
the new website even has a spot to confirm if you're enrolled in DD or not
It happens. I'm one of those few that did not have the same experience as everyone else despite having a better profile than a lot of posters of approvals. I have gotten increases, but they're currently stuck due to my current circumstances. I've moved on to other lenders. Maybe one day I'll try again. On the flipside, I had a better experience with penfed than many others recently.
@user979797 wrote:I have been trying since i hit the 3 month mark to get a CLI with Navy. I have charged large amounts and paid in full. I have let a balance report and paid some interest. I have paid in full and let it report zero. I have tried using it for all of my monthly charges for 1 month, paid in full, and then tried as well. It doesn't seem to matter what i do I continue to be denied with the reason I am at their maximum exposure limit. I have seen people with lower scores and income get higher. I have seen people get higher at the 3 month mark yet i continue to be denied past the 6 month mark. I never thought it would be this difficult to get a increase out of Navy, it was one of the reasons I joined because it seems so easy to get large limits and increases out of them, but I am in the small group that doesn't have such great successs so far with them.
If anyone has any insight as to how Navy works when it comes to CLI requests or any advice as to what I can do or try to get even a 500.00 increase out of them I would apprciate it. My scores are around 725 and my inquiries are low. My score has not dropped and I have not had any negative items or cards reporting more than 30%. I pre qualify for all of their cards. My other banks all grant my CLI requests with the exception of a bucketed Capital One. Has anyone else experienced this with Navy? If so, what did you do to get a increase or did you ever get one?
Thank you in avance for any advice
It took Navy almost 2 years to give me more than 6500(ish) on my Amex More Rewards Card, despite considerable spend (I totally accepted that, as I did have a BK in 16 due to overwhelming medical debt) Now they pre approve me for 60-80k car loans, Personal loans, and have approved every CLI to date. My MR is now 20500.
Other folks on here including several friends have gotten 25k on their first application.
For whatever it is, once Navy warms up to you, the level of lending is generous. To date, they're by far the most generous CU in my wallet.
My advice is just age your accounts. Spend is inconsequential to them. They're the largest CU in the world, their pocket book runs deep.
I wouldn't say Navy is a relationship CU like others, and like other banks such as BOA. Who really knows what their proprietary algorithms look for. I'm just glad I didn't give up when they told me no.