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NFCU NREWARDS CLI AT 91/3 NOW WHAT?

busman2020
Valued Member

NFCU NREWARDS CLI AT 91/3 NOW WHAT?

I just hit my 3 statement mark and my NFCU Nrewards received a CLI from 200 to 600 without additional deposit. I want to apply for another card but I am afriad of a denial. 

 

Which card other than cash rewards is easiest?

 

I currenly have the following scores

 

FICO 8 TU  639 EQ 647 Ex 657

 

FICO 9 TU 641 Eq 676 Ex 650 

 

FICO 8 BANKCARD Eq 634 Tu 646 ex 626

 

FICO 9 Bankcard TU 640 Eq 668 Ex 640

 

I reside in Florida.

 

I have 2 medical collections on TU AND EQ and just paid them this week and they said they report every Friday and will remove it so I am possibly waiting for them to drop off before I apply. 

 

I am also waiting on a update to a goodwill adjustment that was granted by Cap1 later this month.

Bads.

Chrysler Cap CO on Equ and Exp. Unpaid closed

Fairwinds Credit Union Loan 1 30 and 1 60 closed paid Dec 2018

Regional Acceptance closed paid 1 30 and 1 60 back in 2015.

Cap1 500 bal 0 12 lates but GW granted to all on time after 7 months of letters but waiting on CRA UPDATE.

 

Goods

Opensky 300 bal 57

NFCU 600 BAL 0

FINGERHUNT 500 BAL 0

Discover It Secure 400 bal 0

BOFA 13300 BAL 127 Authorized User account

 

Inq Ex 3 Tu 2 Eq 4 withing last 12 mths.


FICO 8 SCORES
4/20 EQU 482 TU 512 EXP 530

5/20 EQU 519 TU 555 EXP 557
6/20 EQU 574 TU 575 EX 600
8/20 EQU 637 TU 626 EXP 641
9/20 F8 EQU 647 TU 678 EXP 678
F9 EQU 676 TU 686 EXP 670
Message 1 of 8
7 REPLIES 7
M_Smart007
Epic Contributor

Re: NFCU NREWARDS CLI AT 91/3 NOW WHAT?

If Navy gave you a CLI, then they don't think your all badSmiley Wink

You most likely would be approved for a second card.

 

@busman2020 

I am no FICO9 Scoring expert, but I believe "9" discounts medical collections ??

(I may stand corrected by @Birdman7 on this) They pull TU FICO9 for new apps.

Having said that, if you could get all those things cleared up first ..any lates, baddies or derogs.

Your chances of getting a higher SL and APR really improve.

 

Hope this helps.

 

Future reference ..>> You can also read and ask questions here; 

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

Message 2 of 8
AllZero
Super Contributor

Re: NFCU NREWARDS CLI AT 91/3 NOW WHAT?

Do you need more credit at this time?

Perhaps, wait to improve your credit profile? Thus, increasing your odds at approval and possibly higher starting limit. Also, it'll allow more payment history with Navy.
Message 3 of 8
OmarGB9
Community Leader
Super Contributor

Re: NFCU NREWARDS CLI AT 91/3 NOW WHAT?

You might get approved, but I agree with @AllZero. You should wait for everything to update and see about some possible GW removals and once your profile improves, you'd have much higher odds of approval, better APR, and of course better SL.


Last App: 04/05/2021
Penfed Signature Loan

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 4 of 8
Birdman7
Super Contributor

Re: NFCU NREWARDS CLI AT 91/3 NOW WHAT?

9 weighs medical collections less harshly, IIRC, but they do have an effect.
-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.

RIP:

(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 5 of 8
Meanmchine
Super Contributor

Re: NFCU NREWARDS CLI AT 91/3 NOW WHAT?

Good luck and let us know what you decide


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 6 of 8
chocolate_ch3rry
Established Member

Re: NFCU NREWARDS CLI AT 91/3 NOW WHAT?

Any updates?

Message 7 of 8
FinStar
Moderator

Re: NFCU NREWARDS CLI AT 91/3 NOW WHAT?

Message 8 of 8
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