NFCU CLI ???

[Anonymous]

Hi All, 

I currently have a NFCU more rewards card. $500 limit, am wondering how long do you have to wait to request a cli if you were denied for maximum limit. I do also want to preface to say that in the two months from my last denial, my tu fico 8 has increased from 528 to 650. I also have gone from 8 collections to 2 collections, so alot has changed, but don't know if I need to wait 91 days from the date of the last rejection which was back in april?

Also, wanted to add when I did prequal back in april, it would only show me eligible for nrewards, but when I checked pre qual last night, it showed me eligible for all cards. Not interested in applying for a new card right now, just want to increase limit on my current one. 

[GrandBay]

@Anonymous Congrats on your score improvement and paying off/down yours COs

As far as NFCU goes... your second card grows faster than the first. I would recommend opening a second card and your SL is usually higher than the CL of your first. 

[AverageJoesCredit]

Great progress. Just want to add Navy is not Amex where you have to wait 91 days after a denial. You can request anytime but must wait 6 months after an approval.  I would recommend having your reports locked when requesting cli to try and leverage an sp result. If you apply without locks you take the 50/50 chance they hp you. If Navy reqursts you open a report for your cli request then you can decide how important it is to you. 

[W261w261]

Under the Credit Card Applications section, not too far down, is this giant Navy Federal thread:

"Navy Federal Datapoints Thread for Membership, CLIs, and Credit Card Products" 

[gingerflower]

Congratulations on your score improvement.  In my opinion I would apply for a second Cc bcuz you probably would receive a higher CL and if approved request a CLI on your first Cc. But, that is my opinion! 

[OmarGB9]

No one addressed this part, but the Navy prequal is useless. Don't trust it at all.

But yes, you can request a CLI again at any time. If approved, then you must wait 181ish day to ask again.

[Anonymous]

---

@GrandBay wrote:

@Anonymous Congrats on your score improvement and paying off/down yours COs

As far as NFCU goes... your second card grows faster than the first. I would recommend opening a second card and your SL is usually higher than the CL of your first. 

---

Thanks, I'm in the garden right now, holding off until September for two inquiries to fall off to increase my chances.  I have 6 inquiries over the past two years. 

[Anonymous]

Thanks for the tip, will definitely try this when I leave the garden in september. 

---

@AverageJoesCredit wrote:

Great progress. Just want to add Navy is not Amex where you have to wait 91 days after a denial. You can request anytime but must wait 6 months after an approval.  I would recommend having your reports locked when requesting cli to try and leverage an sp result. If you apply without locks you take the 50/50 chance they hp you. If Navy reqursts you open a report for your cli request then you can decide how important it is to you. 

---

[Anonymous]

---

@W261w261 wrote:

Under the Credit Card Applications section, not too far down, is this giant Navy Federal thread:

"Navy Federal Datapoints Thread for Membership, CLIs, and Credit Card Products" 

---

thanks, just started reading through it all. 

[Anonymous]

---

@gingerflower wrote:

Congratulations on your score improvement.  In my opinion I would apply for a second Cc bcuz you probably would receive a higher CL and if approved request a CLI on your first Cc. But, that is my opinion! 

---

Thanks in the garden right now, hoping to lower inquiries before applying again, that;s why I was hoping for the soft pull with the CLI