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

[Aim_High]

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@butterpecan wrote:

How soon can you request to PC to another card? 

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@butterpecan, I've never done one as soon as possible but I believe the earliest eligibiliity for PC is 12 months from opening. 

[butterpecan]

Thanks for the info, I have looked in the huge thread but I just find info about CLI and opening another card. 

[drmceo]

Does anyone know if the Equifax 9 SP for a CLI is the pull listed monthy on your account or is it done instantly as you rerquest the CLI?

[Anonymalous]

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@drmceo wrote:

Does anyone know if the Equifax 9 SP for a CLI is the pull listed monthy on your account or is it done instantly as you rerquest the CLI?

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Based on my last 2 CLIs in 2022, Navy seems to use the most recent account review soft pull instead of generating a new one.

[keekers]

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@Anonymalous wrote:

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@drmceo wrote:

Does anyone know if the Equifax 9 SP for a CLI is the pull listed monthy on your account or is it done instantly as you rerquest the CLI?

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Based on my last 2 CLIs in 2022, Navy seems to use the most recent account review soft pull instead of generating a new one.

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Agree with this based on my experience as well.

[SUPERSQUID]

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@drmceo wrote:

Does anyone know if the Equifax 9 SP for a CLI is the pull listed monthy on your account or is it done instantly as you rerquest the CLI?

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If you call in the cli request they will hit you with a hard pull, if you ask via your account page its usually a soft pull. I requested quite a few cli's on my 2 Navy cards and they were all sp because I requested them via the link on my account page, ymmv.

All my cli's took from 24 to 48 hours and some were less money than I requested but I read of some instant cli's.

[keekers]

Just a quick data point for NFCU credit card limit reallocations. My two NFCU cards had CLs of 41K and 39K, which was messing with my OCD so I sent a secure message asking to reallocate to 50K/30K...I didn't process a balance transfer but I vaguely indicated I may do so. Got a reply the next day and it was approved.

[NYFan63]

I see NFCU uses EQ9 for CLI's.  Where can I find my EQ9 scores? MyFICO provides EQ8 correct?

Thank you!

[butterpecan]

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@NYFan63 wrote:

I see NFCU uses EQ9 for CLI's.  Where can I find my EQ9 scores? MyFICO provides EQ8 correct?

Thank you!

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@NYFan63 I have only ever seen EQ Fico 9 on here when you pay for the subscription. 

[NYFan63]

On my FICO Score page it shows FICO Score 8??