Navy Federal Datapoints Thread for Membership, CLIs, and Credit Card Products

[JNA1]

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@SPChaser wrote:

Wait @JNA1 ....navy has a chat feature?!? 

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Yes, but it is not in the most obvious spot to find if you don't know where to look. When you log into your mobile phone app, go to the transfers page and the chat icon is at the bottom of the page.

[SPChaser]

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@JNA1 wrote:

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@SPChaser wrote:

Wait @JNA1 ....navy has a chat feature?!? 

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Yes, but it is not in the most obvious spot to find if you don't know where to look. When you log into your mobile phone app, go to the transfers page and the chat icon is at the bottom of the page.

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WOW  smh thank you!!! @JNA1 

[cashorcharge]

Casually picked up another $8K CLI today!  Reqeusted over the weekend, processed and showed up online first thing this morning.

6 Months since my last, calendar reminder set for the future!  

[Anonymous]

Quick question for clarification: CLIs at 91/3 are SP and new cards at 91/3 are always HP, correct? And I should app for the new card before the CLI?

[FinStar]

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@Anonymous wrote:

Quick question for clarification: CLIs at 91/3 are SP and new cards at 91/3 are always HP, correct? And I should app for the new card before the CLI?

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Yes, CLIs are SP as long as they're submitted online or via the mobile app.  Any new CC applications will always be a HP.

As far as the timing, it depends on your strategy. A variety of folks tend to apply for an additional card provided they've had sufficient history with their first NFCU card.

[Anonymous]

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@Anonymous wrote:

Quick question for clarification: CLIs at 91/3 are SP and new cards at 91/3 are always HP, correct? And I should app for the new card before the CLI?

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I received a CLI on my Signature Visa at the beginning of this month, $15000 -> $23000. I called before pulling the trigger and asked If I was eligible for a CLI. The rep I talked to told me to wait an additional 2 days before I applied for a CLI to give their system a few day to catch up. (93 days) It was a SP.

[Jordan23ww]

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@cashorcharge wrote:

Casually picked up another $8K CLI today!  Reqeusted over the weekend, processed and showed up online first thing this morning.

6 Months since my last, calendar reminder set for the future!  

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@cashorcharge Congratulations on your limit increase! 

[MarcuzAgrippa]

Started my CC journey with a Nsecured card back in Sept. 2020 with a $300 limit. This doubled 3 months later to $600. On my 04/23/2021 statement, it went unsecured and the limit became $2k with a product change to a cashRewards card.

By my math, I should be clear to ask for an increase correct?

My plans are to ask for the CLI and then app for the More Rewards card. I do have a balance on the card at the moment. Have better results been seen on the CLI and apping for a new card with a zero balance on the existing card?

[800wannabe420]

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@MarcuzAgrippa wrote:

Started my CC journey with a Nsecured card back in Sept. 2020 with a $300 limit. This doubled 3 months later to $600. On my 04/23/2021 statement, it went unsecured and the limit became $2k with a product change to a cashRewards card.

By my math, I should be clear to ask for an increase correct?

My plans are to ask for the CLI and then app for the More Rewards card. I do have a balance on the card at the moment. Have better results been seen on the CLI and apping for a new card with a zero balance on the existing card?

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@MarcuzAgrippa 

You should be good for both a new app and a CLI request.   I would suggest you determine which of the two actions is most important to you and perform that first.   A successful CLI could put you over NFCU's internal limit and produce a denial for a cc application. 

[tmax2020]

Update after my flagship denial, Navy said I need to build more relationship with them and that I have reached my maximum credit exposure with them lol.

I requested for a CLI on Platinum CC and got 6200 more total CL 13300 from 7100, I take this increase as a BIG win and BIG thanks to @Aim_High