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

SUPERSQUID
Valued Contributor

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


@Space_Daddy wrote:

Thanks for letting me know. My automatic CLI have me an extra $2000 (from $9000 --> $11,000) but I'm guessing that I'd get a bigger increase if I requested it myself.



You can avoid that situation in the future by calling Navy fed and asking them to disable the automatic cli's on that card. Many of us have done it, i did it on both my cards with them.

{ BK7 DC 12/2019 } target 1300/ kohls 3000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 2500 /first savings bank cc 2500/ cap1 QS 5000/ cap 1 savor one 3100 /comenity rewards mc 3k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 15700/bread cashback amex 8000

>/ nfcu platinum 3k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 39k
Total utilization 11 - 14 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 80k
Retired since 2017
Message 1371 of 1,394
M_Smart007
Legendary Contributor

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


@SUPERSQUID wrote:

@Space_Daddy wrote:

Thanks for letting me know. My automatic CLI have me an extra $2000 (from $9000 --> $11,000) but I'm guessing that I'd get a bigger increase if I requested it myself.



You can avoid that situation in the future by calling Navy fed and asking them to disable the automatic cli's on that card. Many of us have done it, i did it on both my cards with them.


You can also do it through "secure message"

Message 1372 of 1,394
OmarGB9
Community Leader
Super Contributor

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


@dytch2220 wrote:

CREDIT CARDS

- Pulls TU9

Does anyone know if this would be the FICO Score 9 or the FICO Bankcard Score 9?


Regular score 9.


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 1373 of 1,394
Adkins
Legendary Contributor

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

My rewards cash went from $14400-$22400, the usual $8K increase in that seems to be the norm. I had asked for $25K total limit because might as well. My last CLI was 5/6/22. I'm done asking for CLIs on this card, I think. 

Last HP 11-01-2022



Message 1374 of 1,394
Falcon9
Valued Member

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

I just called and had the automatic CLI option disabled for my two cards.  A year or two ago I did get an automatic CLI that was perhaps half of the norm at that time.

Message 1375 of 1,394
Jordan23ww
Valued Contributor

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

I asked for another $8K limit increase today on my Flagship via the app and it was instantly approved! It's been 188 days since my last increase.  

 

This card started out at $5200 in August 2020! Love how they let it grow! With max exposure for Navy being set at $80K on the personal side, I'm almost maxed out now. My More Rewards is at $40K and the Flagship is now at $37,200. I guess in 6 months I'll see if Navy will let me get the last $2800!😂

 

3FA55494-8D29-47E7-AA94-30A24A7460B6.jpeg

 

    


Message 1376 of 1,394
RASULL12
Contributor

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

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. 

Message 1377 of 1,394
OmarGB9
Community Leader
Super Contributor

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


@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. 


I think you got very lucky, as the first rep was right - it's been their policy for a while now (longer than 6 months, even) that reallocation is only done when doing a BT. So I think you were lucky the first time around too.


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 1378 of 1,394
FLLGuy
Frequent Contributor

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

Contributing Topic: More Rewards CLI @ 91 days

 

Opened More Rewards 3mos ago (my 2nd card w/NFCU) started with a low $2500 CL exactly 91 days ago asked for $10K knowing very well i wouldn't get it but had to test.  Nontheless, I received 3x CL to summarize $5000 CLI for total of $7,500 CL.  Not bad considering BK13 discharged 17mos ago.   I've already marked my calendar for $8K increase in 161 days.


[2x] AU Amex Cards
Message 1379 of 1,394
OmarGB9
Community Leader
Super Contributor

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


@FLLGuy wrote:

Contributing Topic: More Rewards CLI @ 91 days

 

Opened More Rewards 3mos ago (my 2nd card w/NFCU) started with a low $2500 CL exactly 91 days ago asked for $10K knowing very well i wouldn't get it but had to test.  Nontheless, I received 3x CL to summarize $5000 CLI for total of $7,500 CL.  Not bad considering BK13 discharged 17mos ago.   I've already marked my calendar for $8K increase in 161 days.


Congrats and thanks for confirming the 3x CLI on CLs under $4k.


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 1380 of 1,394
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