NFCU is no longer Hard Pull Happy?

[Anonymous]

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@FinStar wrote:

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@AllZero wrote:

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@Anonymous wrote:
What is max CL on navy cards?

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IIRC

$80k Flagship

$50K Non-Flagship

$80K total aggregate credit line, not including CLOC.

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Just to add to the above, 3 cards maximum in aggregate exposure, m8 😁

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@FinStar I see what you did there....😂

[Anonymous]

I received an auto cli on Thursday of $4k on cash rewards bringing it to $24k. No hard pull. It’s my highest card. Hoping AMEX Hilton Honors will auto increase next!

[M_Smart007]

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@Anonymous wrote:
I received an auto cli on Thursday of $4k on cash rewards bringing it to $24k. No hard pull. It’s my highest card. Hoping AMEX Hilton Honors will auto increase next!

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Congrats on your Auto-CLI

[Anonymous]

Anyone got SP CLI in 2020? Waiting for the new score to post to request my CLI on my cashRewards card.

[Anonymous]

No HP for my Flagship CLI from $22,000 to $28,000 on 12/26.  My Go Rewards card is at $13,000 so total CL with NFCU is $41,000. 

[Peazmom]

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@Anonymous wrote:

Anyone got SP CLI in 2020? Waiting for the new score to post to request my CLI on my cashRewards card.

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I'm waiting to hear as well.  Hoping someone will be the "guinea pig" in 2020 before my Platinum is ready for its 6 month CLI request.

[Anonymous]

In 8 days (next Saturday ) I will be 91/3 and will be going for a cli on my cash rewards card and applying for 2nd card with navy . I was going to do Cli first . I will update if it’s a hard pull as my understanding is that cli and a new app for cc would be 2 separate hard pulls since a cli pulls from a different bureau than a new cc.

[Anonymous]

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@Peazmom wrote:

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@Anonymous wrote:

Anyone got SP CLI in 2020? Waiting for the new score to post to request my CLI on my cashRewards card.

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I'm waiting to hear as well.  Hoping someone will be the "guinea pig" in 2020 before my Platinum is ready for its 6 month CLI request.

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With AR and updated Navy score, there should be should SP or HP CLI data points soon!

[Anonymous]

I froze my reports and applied yesterday. First cli, approved this morning 3x my previous limit $500 to $1,500. 760 EQ from newest AR, cardholder 22 months. Hopefully I’ll get lucky for my anniversary as well.

[Hex]

Okay I was my own data points so here it goes:

I ended up applying for and being approved for CLI’s on all 3 of my Navy cards at the end of December. I was hoping for SP’s and I got lucky- they all were.

12/26/19 Flagship card- card opened in mid December 2018 with $15K limit. Never previously asked for or received a cli on this card. I asked for a 34.5K limit and they gave me a limit of $23K so it was an 8K increase. They sent me an email that said that I was approved but if it wasn’t for the full amount requested (which it wasn’t) they would send me a letter stating why. I received the letter -it is dated 12/26 and the stated reason is: “You’ve reached Navy Federal’s maximum unsecured credit limit.”

12/28/19 More Rewards Amex- Card opened 10/2017 with a $500 limit. Requested a CLI on this card after 91 days and got it to $1500 -HP. Last February I requested again and got it to $4500 -HP. (This when I decided no more HP’s for CLI’s because I get more with new cards.) On 12/28/19 I requested a $25K limit. I never got an email about this request or a letter in the mail but they did increase my limit to $12.5K so it was another $8K increase.

12/30/19 Navy CashRewards Card- my first Navy Card it started as a $500 nRewards secured card in July of 2017. This card graduated in December of 2017 at 5 months and they raised the limit to $2K at that time. It’s stayed at $2K all that time because I have much better cards so why spend a hard pull right?
On 12/30/19 I requested a CLI up to $6K on this card and I got that amount approved. They sent me an email but I won’t be getting a letter because I was granted my full request on this card. I still want to close this card. Wondering if I can move the limit to my Flagship and maybe get a different Navy Card or a new SUB for a duplicate card. But I’ll wait a bit since they were just so good to me.

I have been getting discouraged with Navy because I was disappointed with never getting an auto CLI on any of my cards. About a year ago I called to check if my accounts were set up for auto increases and they said they were. At the start of December I asked them via message to close my CashRewards and explained I didn’t want it because I couldn’t use it due to the low limit and I knew they wouldn’t increase it because I never used it. They messaged me back and said that auto CLI’s were disabled on my accounts (REALLY????). They advised that I request they turn them on and wait a full statement cycle before I cancel the account. I don’t know if that would have worked because I asked before they had time to give me an auto increase.

I think either something is/was broken at Navy or “You’ve reached Navy Federal’s maximum unsecured credit limit.” might not be the true reason for a lot of denials that get that reason.
EQ FICO 9 was 759 for the December AR.