Navy Fed CLI

[Jammo13]

Hey all. My last CLI for my More Rewards was 9/05. I applied yesterday based off miscalculation (180 days) and verified the reason was recent CLI. Should I reapply today (181 days) or wait til tmr?

[Wavester64]

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@Jammo13 wrote:

Hey all. My last CLI for my More Rewards was 9/05. I applied yesterday based off miscalculation (180 days) and verified the reason was recent CLI. Should I reapply today (181 days) or wait til tmr?

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I did this by accident with the NFCU PLatinum card back in '21.

I was declined - I realized I did it too soon - I needed 9-more days (thereabouts, I might have waited an extra day or 2 to make sure) tried again and I got approved for the CLI. 

My advise - wait the extra day or 2 to make sure 

[GZG]

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@Jammo13 wrote:

Hey all. My last CLI for my More Rewards was 9/05. I applied yesterday based off miscalculation (180 days) and verified the reason was recent CLI. Should I reapply today (181 days) or wait til tmr?

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did your last CLI go pending and thus it wasn't 09/05/2023, the date they're using for your last CLI? 

[CorpCrMgr1]

I'd wait a day.

[Linnaea]

Following

[pakratus]

Edit- Oh geez, I just noticed this was a few weeks old already.

I just did my latest CLI at 183 days.  For some reason I set the reminder for 185 days (on purpose i guess?).  

I think the whole 1 extra day thing (181 or 91 days...) is to allow for business-day stuff.  Like if you request something after 5pm, it goes on the next business day's business.  So, if you account for that, you're probably good to go on whatever day.

[Jammo13]

UPDATE: I got approved for 3x. thanks all

[keekers]

Nice. Congrats.

[CorpCrMgr1]

Congratulations on your approval!