Hello all I wanted to make a post about some information I was looking for on the boards that I could not easily find.
Like many many others I secured a $500 nRewards card.
It graduated somewhere around the 65 day mark (less than 3 statements, NFCU EQ09 606).
Upon graduation my $500 deposit was returned to my checking account and my limit was increased to $2000 as seems to be standard.
Now is where the gray area comes in to play. Obviously I want to grow the card, so I wanted to post my results on that quest.
I hit 95/3 (from the date the secured card was opened) on 6/5/2019.
I requested a cli which gave me the standard 24hour message.
I called Navy the following day, I was told it was a denial.
The reason given was not enough time, or requested too soon. The CSR indicated that graduation resets the clock. But which clock, 91/3 or 180?! I asked but she gave no indication saying only "there are no set time limits, yada yada yada"
My next step is to request at 91/3 from the day of graduation, at this point my gut feeling is that will be a denial, if so I will request at 180 days from secured account opening then 180 days from graduation until I see a result other than "too soon". I will update this post.
Edit: A user posted a very valid point. A CSR reaffirmed to the user that if a card receives a CLI, that card must wait 180days for any further CLI. Since my Secured nRewards went from $500>>>$2000 when it graduated I am working on the assumption that it will indeed take 180 days from the graduation date to secure a CLI. I plan to work the schedule that I outlined above, I will update any pertinent info.
