Navy Fed Cash Rewards CLI request

[Chris3k2]

I just recently paid off a good chunk of my credit card balance. $8500 CL and I paid it down to $1000. I'm believe I'm ready to do a CLI. Not sure how to go about this with the best chances of getting a soft pull. I've been with NFCU for 4 years or so. I have had a small car loan (8k) that was paid off early. Just recently bought a new car with them. Flagship checking or whatever the highest earning one is. A savings account and 15K LoC with them. I don't remember when I first got the card.

Any advice or help would be greatly appreciated and if I need to provide more info please let me know.

[pipeguy]

Next soft pull (AR) will be the first week of September after your FICO score updates. Most of the time a CLI request will use this soft pull (odd numbered months Jan/Mar/May/etc) unless the CLI goes to "review" and then it's probably a hard pull. Given you have not asked for a CLI in your recent history there is a very good chance that the CLI will be substantial and be a soft pull. 

[AverageJoesCredit]

Plus 1 Pipeguy, 1st week of September is your best chance.

[Chris3k2]

How much should I ask for in order to avoid getting reviewed?

[Anonymous]

25k all day

[AverageJoesCredit]

Request amount has nothing to do with review. You are either eligble for sp cli or not. If not it will be reviewed. Shoot for moon , if they cant give all , they will counter. 25k is reasonable but not knowing your income assets or profile, ask for what you want or comfortable

[CramEiko]

Just curious. Last November I got my first Navy card when I went in branch and did a cold app for the Platinum card for which they gave me $25k @ what is now 7.74%. Is the cli a sp or hp? Would it even be worth trying for more. Navy Fico at 800 as of 7/3. Thanks.

[Chris3k2]

Thanks to all that replied. Just for clarification, I should aim to go for a CLI between the 2nd-8th of September for the best chance at a SP?

And I make about 48k-50k yearly. I'm not sure how much in total I have in assets. Is it worth me going for 25k with my income?

[Anonymous]

I would shoot for 25k with your income. I was only reporting 18-20k income last year when I applied for the GoRewards and received an instant approval of 10k, literally giving me a CC with half my income as a limit lol.

I’m not sure what NFCU looks for when making these approvals. It’s probably a combination of mostly responsible credit use/good history and then income. But YEMV.

[Chris3k2]

well I just went for the CLI (25k) after having my FICO updated. My FICO is 809. No instant CLI, says it went to review. Oh well was hoping to just get a SP, but if I receive any increase I will be happy.