NFCU Strategy: 2nd Card or CLI?

[ridgebackpilot]

Navy experts: I recently joined NFCU and was approved for the Flagship card with SL of $10K. It's my first card with Navy.

91/3 will come around in March 2019. When the time comes, would I be better of applying for a second card or a CLI on the Flagship?

All other things being equal, I'd rather have a big CLI (to perhaps $25K SL) on the Flagship than approval for $25K SL on a second card. I don't really need a second Navy card and I'm always concerned about AAoA.

But what strategy would you recommend to achieve the highest SL?

[Anonymous]

There are many DP’s on this forum that suggest the 2nd card is almost a guarantee. The CLI not so much.

[Anonymous]

Pull the trigger on CLI first. Give them time to review it if it goes to review. If declined, app for a second card. 

I have read most of the recent DPs and people are letting them go to review and then turning around and getting instant approval on a second card and then denied the CLI so it’s hard to say if they would have waited for the results what would have happened at that point. 

I got my CLI on review (full ask), then my CLOC instantly, then my second card on review a few days later, which is pretty much opposite of all the DPs that suggest low credit scores don’t get CLIs at 91/3 and low incomes don’t get second cards at 91/3 - I had both conditions. 

[Anonymous]

this summer I applied for CLI so did the wife.  Went to reviews on both.  I app'd for a 3rd card/her for a 2nd card- both approved.  The CLI's were denied. 

[Pikaboo-icu]

I waited almost 6 months after my first card for cli, I got what I asked for instantly.

I then immediately app'd for second card, approved, $25,000 SL.

Things is; you can ask at 91/3 but you may have a lot better results at 5-6 months.

Your choice as always..

[Anonymous]

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@Anonymous wrote:

this summer I applied for CLI so did the wife.  Went to reviews on both.  I app'd for a 3rd card/her for a 2nd card- both approved.  The CLI's were denied. 

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But did you wait to be denied for the CLIs before applying for the other cards?