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

[Adkins]

I've never asked for an APR reduction on my card before, so I decided to o ask:

Yay!!

[lyTENciL]

I posted in approvals, but I should have put my DP in here.

CLI 8K (25->33K) instant approval via app. All reports frozen. EQ9 is 837.

1st CLI on this card, 2.5y old.

[Jordan23ww]

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@RASULL12 wrote:

6 months ago I did a reallocation of my credit limits among my 3 NFCU cards and didn't have an issue. I just recently decided I would like to adjusty limits again so that my platinum card has a $50k limit. I put a request in to move the $10k from my more rewards card to the platinum card in order to complete a balance transfer. About a day later I got a message back saying that it is against their current policy.  So I sent another request instead of responding the the message and about 7 hours later, my request was approved.  So I guess they are still doing reallocations but only certain customer service reps will actually do it. 

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@RASULL12  this is awesome to hear! I'm glad it worked out and thank you for sharing this info with us!  

[OmarGB9]

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@lyTENciL wrote:

I posted in approvals, but I should have put my DP in here.

CLI 8K (25->33K) instant approval via app. All reports frozen. EQ9 is 837.

1st CLI on this card, 2.5y old.

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Thanks for circling back and providing us valuable DPs!

[SweetCreditObsession]

Congrats on the APR reduction @Adkins !

[Adkins]

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@SweetCreditObsession wrote:

Congrats on the APR reduction @Adkins !

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Thanks! 

[jdsinm]

some data points-

double cli same day.

had been 18 months sense i last did it

overall account with them about 6 years old

score in lowish 7 (720-730) as of last month, and nothing really changed- 2 hard inquires

current overall credit useage in complete portfolio about 18%

income in mid tripple digits

have a checking and savings with the for the full time of account

platinium (6 years old)- have a 4K current balance, have had balance for about 2 years, pay double or more minimum

20800-26800

vis sig cash rewards (3 years old)- had very large balance for last year (85% of limit), was paying 300% minimum, paid off less then 30 days ago

25000-30000

[abdi12]

I requested a CLI a week ago at exactly 181 days since my card graduation. Sadly it never updated and today I received a letter saying that there was a recent change in the CL. Just submitted the CLI request again... hope this time I get it 🤞🏻

[abdi12]

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@abdi12 wrote:

I requested a CLI a week ago at exactly 181 days since my card graduation. Sadly it never updated and today I received a letter saying that there was a recent change in the CL. Just submitted the CLI request again... hope this time I get it 🤞🏻

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Update to DP: just got approved!! Went from $2,000 to $3,500.  

[MrZero]

Well, realized today was day 181, just did my CLI request and instantly approved again, my CR card is now at 35K. 😅

Got a couple more cards in August and CLIs and I need to update my signature. I also think I paid off too much of my secured loan because my scores took a hit in late November (not related to the new cards mentioned) after I paid it down from 75 to 20 to line it up with the last payment and my auto payments.

Next stop an auto loan whenever the vehicle I want gets allocated.