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Navy Fed denied CLI

vainglorious
Valued Member

Navy Fed denied CLI

Hello

 

I received Navy Fed's cash rewards visa in October.  I waited the 3 months (maybe a little more) and then asked for a CLI a week or so ago.  Just got the letter in the mail denying. The reason stated is, "You've reached Navy Federal's maximum unsecured credit limit."

 

I kind of did a double take because I've seen people with Navy Fed cards with 20k+ limits.  And this card I have is only a 1k limit.  Is this normal?  Is it this specific card?

 

There were no other reasons for the denial given.

3/20/20:
EX 693
EQ 671
TU 690
current:
EX 730
EQ 700
TU 716
Message 1 of 32
31 REPLIES 31
AllZero
Super Contributor

Re: Navy Fed denied CLI

It may be the internal limit on that card for the time being. Perhaps, you need more time.

Do you have other Navy cards? If not, a second Navy application for a new card may yield more credit?
Message 2 of 32
vainglorious
Valued Member

Re: Navy Fed denied CLI

No, it's the only Navy card I have.  Though I have a car financed through them.

 

I guess I will just hang in the garden for a while.  I'm tempted to apply for a second card, but I am not really looking to open any new accounts, reason being I plan to apply for a mortgage this summer.

 

Thanks for your reply, I guess I didn't think they'd have such a limit since everyone says to ask for your CLI at 3 months.

3/20/20:
EX 693
EQ 671
TU 690
current:
EX 730
EQ 700
TU 716
Message 3 of 32
blindambition
Community Leader
Senior Contributor

Re: Navy Fed denied CLI

It's possible that you might be approved on another card. While we may scratch our heads on some of Navy's decisions, you can't compare your file to someone else's. There's many variables that go into a file. All are completely unique.

Message 4 of 32
M_Smart007
Epic Contributor

Re: Navy Fed denied CLI


@vainglorious wrote:

Hello

 

I received Navy Fed's cash rewards visa in October.  I waited the 3 months (maybe a little more) and then asked for a CLI a week or so ago.  Just got the letter in the mail denying. The reason stated is, "You've reached Navy Federal's maximum unsecured credit limit."

 

I kind of did a double take because I've seen people with Navy Fed cards with 20k+ limits.  And this card I have is only a 1k limit.  Is this normal?  Is it this specific card?

 

There were no other reasons for the denial given.


Give it a little more time. You can  try in 90 days... But I would wait 6 months for best resultsSmiley Wink

"Why So Serious?"
Message 5 of 32
vainglorious
Valued Member

Re: Navy Fed denied CLI

Yes, I probably would.  Navy has been pretty good to me so far despite being a member only a few months.  You guys need to stop tempting me to apply Smiley Happy

 

Yeah, for some reason I didn't even think there would be individual internal limits on the cards.  In my (admittedly simple) mind it was, "get your limit, get your increase in 3 months if you've been good".  Guess it never occurred to me that denials could happen for reasons outside of your credit score.

 

(because I have been good)

 

However, they gave me the car loan and the credit card all within 4 months of becoming a member so I can't complain.

3/20/20:
EX 693
EQ 671
TU 690
current:
EX 730
EQ 700
TU 716
Message 6 of 32
SFLSpotter9210
Established Contributor

Re: Navy Fed denied CLI

Welcome to NFCU wild riding train. I'm sure we've all been there before with a CLI denial. I've been there several times with them. For some reason it's like i feel they want you to know that they're in charge not us. So i bow down the the NFCU god's and they forgive me of my luv button pushes and allow a little treat now and again. Like another poster stated you may want to try for another card that may yield a big surprise. But I didn't see anything about your profile there. You may want to share some of your data for others to help with NFCU's decision making. Good luck with whatever you decide. NFCU in my opinion is still the best. 

NFCU Flagship 25,000 Penfed PowerCash 8,750 PenFed PL 20,000 NFCU AMEX Rewards 37,500 NFCU GoRewards 7,000
Capital One Quicksilver 6,300
Lowe’s 34,500
Wells Fargo Propel 10,000
Barclay Apple1k
Citi Rewards+ 10,600
Citi Double Cash 14,800
Citi Simplicity 5,500
PNC Core VISA 17,500
Home Depot 1,000
USAA AMEX 10,000
Discover 14,500
BB&T Rewards 4,500 BB&T Bright Card 4,500 GS Apple 5,500 Chevron 1650 Fico 8 Scores EQ=761,EX=753,TU=764 scores and CL current as of 04/10/21 AAoA=2years10minths AoOA=17yrs
Message 7 of 32
AverageJoesCredit
Community Leader
Mega Contributor

Re: Navy Fed denied CLI


@vainglorious wrote:

Hello

 

I received Navy Fed's cash rewards visa in October.  I waited the 3 months (maybe a little more) and then asked for a CLI a week or so ago.  Just got the letter in the mail denying. The reason stated is, "You've reached Navy Federal's maximum unsecured credit limit."

 

I kind of did a double take because I've seen people with Navy Fed cards with 20k+ limits.  And this card I have is only a 1k limit.  Is this normal?  Is it this specific card?

 

There were no other reasons for the denial given.


Every profile is different, orher people with 20k limits probably be saying same about people with 25k limitsSmiley Wink. Just means right now they arent comfortable lending more. Stay the course it will comeSmiley Happy

Message 8 of 32
AverageJoesCredit
Community Leader
Mega Contributor

Re: Navy Fed denied CLI


@M_Smart007 wrote:

@vainglorious wrote:

Hello

 

I received Navy Fed's cash rewards visa in October.  I waited the 3 months (maybe a little more) and then asked for a CLI a week or so ago.  Just got the letter in the mail denying. The reason stated is, "You've reached Navy Federal's maximum unsecured credit limit."

 

I kind of did a double take because I've seen people with Navy Fed cards with 20k+ limits.  And this card I have is only a 1k limit.  Is this normal?  Is it this specific card?

 

There were no other reasons for the denial given.


Give it a little more time. You can  try in 90 days... But I would wait 6 months for best resultsSmiley Wink


Actually could try in a week if they wanted. Being denied a cli doesnt reset the clock. And Navys decision could change tomorrow , a week or months from now lol

Message 9 of 32
Aim_High
Senior Contributor

Re: Navy Fed denied CLI

Many of us, even with high FICOs, high incomes, and thick files have seen that message at some point, @vainglorious.  It just means, as of that moment in time, that is all they are willing to lend you.  And yes, it goes a lot deeper than a FICO score.  Length of time as a member usually leads of loosening of the purse strings but there's a lot at play.  They look at your overall income and debt ratios, payment history, and other credit considerations.   You can get that message today and tomorrow they may approve you for additional credit.  Usually, though, if you get that message it's best to wait for awhile.  Applying for a new card immediately would more than likely lead to a denial and wasted hard pull.  Give them a little time.  Don't look impatient and eventually the doors will open. 

 

Just curious, though, but how many other new accounts and inquiries do you have in the past six months to a year?  They are more sensitive to credit-seeking than may be apparent.  I would garden for at least 3-6 months before trying them for a new card. 



Length of Credit > 35 years; Total Credit Limits > $500K
AoOA > 27 years (Jun 1993); AoYA (Aug 2020); Gardening since 08/15/20.
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 10 of 32
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