@USMC_Winger wrote:
@designated_knitter wrote:
- nRewards Approved 12/2.
- First statement was 12/19 (partial-- only 17 days).
- 2nd statement was 1/19 (first full statement)
- 3rd statement was 2/19 (second full statement)
- March 4: Applied and Approved for platinum with 6900 SL
- Platinum Approved 3/4
- 1st statement was 3/9 (partial -- only 5 days)
- 2nd statement was 4/9 -- full statement
- 3rd statement was 5/9 -- full statement
- June 3rd (today but applied just after midnight). : Applied and approved for GoRewards with 15k starting limit.
NOW, One thing that may have "counted" was that I also had a car loan that was opened on December 1st... a day before the nRewards.
MAYBE I was able to circumvent the 3 full statements on my credit cards because it was counting statements for both the loan and the credit cards. So while I only had 2 full statements on the credit card prior to the next approval, perhaps the UWs looked at it as 4 Full Statements: 2 for the cc and 2 for the loan.
Sooooo, that could be a case of YMMV. 🧐
ETA: I just requested a CLI on my platinum which is at 92 days. My 3rd full statement cuts on 6/9... so we'll see if I get shot down for being too soon.
It appears Navy Fed is going by the date of approval of your first credit account, the auto loan, for the 91/3 rule. I don't know your auto loan report date, but 3 entire months passed between the approval date of the auto loan and the approval date of the Platinum CC, and that seems to be 3 full statements. March 4th was 93 days after the approval date of the auto loan.
Please let us know how your CLI goes. Good luck!
That would be an interesting datapoint. Have a personal or auto loan report for 2 months. Get a new card and request a CLI after the first statement and see if it gets an approval.
@USMC_Winger wrote:
@designated_knitter wrote:
- nRewards Approved 12/2.
- First statement was 12/19 (partial-- only 17 days).
- 2nd statement was 1/19 (first full statement)
- 3rd statement was 2/19 (second full statement)
- March 4: Applied and Approved for platinum with 6900 SL
- Platinum Approved 3/4
- 1st statement was 3/9 (partial -- only 5 days)
- 2nd statement was 4/9 -- full statement
- 3rd statement was 5/9 -- full statement
- June 3rd (today but applied just after midnight). : Applied and approved for GoRewards with 15k starting limit.
NOW, One thing that may have "counted" was that I also had a car loan that was opened on December 1st... a day before the nRewards.
MAYBE I was able to circumvent the 3 full statements on my credit cards because it was counting statements for both the loan and the credit cards. So while I only had 2 full statements on the credit card prior to the next approval, perhaps the UWs looked at it as 4 Full Statements: 2 for the cc and 2 for the loan.
Sooooo, that could be a case of YMMV. 🧐
ETA: I just requested a CLI on my platinum which is at 92 days. My 3rd full statement cuts on 6/9... so we'll see if I get shot down for being too soon.
It appears Navy Fed is going by the date of approval of your first credit account, the auto loan, for the 91/3 rule. I don't know your auto loan report date, but 3 entire months passed between the approval date of the auto loan and the approval date of the Platinum CC, and that seems to be 3 full statements. March 4th was 93 days after the approval date of the auto loan.
Please let us know how your CLI goes. Good luck!
@USMC_Winger Actually, I didn't have 3 full statements for the car loan either at the time I was approved for the second card. The car loan statement cut 2 days after I was approved for the car loan. So across all my credit lines at the time of approval of the 2nd card, I had 4 full statements between the loan and the cc.
So I still think for approvals of a new credit card, that the 3 full statements could be a combination of loans and credit cards.
NOW, regarding CLIs, it appears that my request was a now go... I haven't gotten a letter but my 3rd full statement for the card in question doesn't cut for another week. So @Brian_Earl_Spilner suggestion of having a loan with 3 full statements and then asking for a CLI a month after being approved for a cc would not work. CLIs definitely seem to be 91 days and 3 full statements...
This is consistent with my nRewards graduation eligibility, I just had my 6th statement but the first was a partial statement. So the earliest I can graduate is June 25th when my 6th statement cuts even though it will be 3 weeks past the 6th month of having the card.
@Anonymous wrote:Lol no worries. It's my understanding that you need 3 full statements. There's been a few exceptions mentioned here lately for what It's worth but I believe your 3rd full statement would be your June statement.
Aww wow! It's a good thing I came here and asked lol because I was contemplating hitting the switch! That denial would've crushed my spirits as I've been working religiously on being a navy fed good boy the last 90 days giving them all my money and maximizing their services!! Lol thank you!
so in my case my June statement cuts the 22nd.
so June 23rd I should hit that switch and hope for the best 
For anyone wanting to know what thei 91st day would be, ask the google machine.
So you can say "03/07/2021 + 91 days" in the search bar and you'll get the following:
This is useful for Comenity as well which is often on a 61 day schedule.
You can also use a spreadsheet that will calculate the date for you as well.
That being said, @Anonymous , expect a great result when you do apply since your usage across all accounts is what they like to see. I would predict card number 2 with a SL of either 25k or 10k based on data points. Either way, you're probably looking at at least 5 digits!
Also, apply for your second card first. THEN hit the Luv button for the CLI. Common wisdom on these boards is that you get a better result that way in terms of SL on card number 2.
Hope this helps and good luck! Day 90 is the hardest!