So a new development for me with Navy I applied for a CLI on my CR card at about 10 months instead of 6 and got an instant approval. That was a first for me. I have always had a slight wait.
@CerebralZulu wrote:So a new development for me with Navy I applied for a CLI on my CR card at about 10 months instead of 6 and got an instant approval. That was a first for me. I have always had a slight wait.
Awesome congratulations on your CLI and thanks for the DP's
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@Andy77 wrote:
How long should I wait when I get declined by Navy for CLI when the reason stated is, "you have reached Navy's maximum unsecured limit" ?
I was thinking a minimum of three months and within that time pay down or off more Navy debt.
What do you all think ?
There's really no set time frame per se but whatever time frame you feel comfortable asking again. If that means paying down some debt all the better. But I will add I have received max limit before and requested like 2 weeks later and was approved so it can happen quite fast. Also know your profile. If you know you are paying down debt on a Navy card pretty good, then you can assume you are building positive history and that may help your internal score / max limit. Nothing ever set in stone but as they say " Nothing ventured nothing gained" 
@Andy77 wrote:
How long should I wait when I get declined by Navy for CLI when the reason stated is, "you have reached Navy's maximum unsecured limit" ?
I was thinking a minimum of three months and within that time pay down or off more Navy debt.
What do you all think ?
Been getting that reason for months. They finally budged this month when my EQ 9 got over 650. 635-->665 after getting utilization down to 2%.
@Gsauce806 wrote:Hey i was approved for the cash rewards this morning which im excited about but low limit of 3k smh thinking about doing a reconsideration
Congratulations on your $3K cashRewards card approval, @Gsauce806. 
What sort of limit were you hoping to achieve? You mentioned having a secured card with Navy which might inhibit their analysis of your overall risk/limits, even though you reported FICOs of 770 to 804 in this post. Do you have other higher-limit cards? How long have you been a NFCU member and how thick/aged is your credit file? While you can try a recon with Navy, from what I've seen they may not reverse their decision. On the other hand, their cards grow well and often without significant utilization. They're currently granting up to $8K with a soft pull once every six months (180 days) or so. That's very generous in comparison to many lenders.
