@Anonymous wrote:Got my increase. Quite frankly was expecting a denial.
This puts me up to $32K in unsecured credit with NFCU - $12,500 cashRewards, $19,000 Platinum, $500 CLOC (I wish this would grow but it serves its purpose I guess).
I probably shouldn't have done this because I wanted to get my third card later this year. My exposure with NFCU is now almost 170% of my annual income 😅
Congrats @Anonymous
@Jnbmom wrote:
@Anonymous wrote:Got my increase. Quite frankly was expecting a denial.
This puts me up to $32K in unsecured credit with NFCU - $12,500 cashRewards, $19,000 Platinum, $500 CLOC (I wish this would grow but it serves its purpose I guess).
I probably shouldn't have done this because I wanted to get my third card later this year. My exposure with NFCU is now almost 170% of my annual income 😅
Congrats @Anonymous
Thanks, @Jnbmom 
Platinum is up for CLI next month but if they extend the More Rewards $100 for $1K SUB I'll probably hold off. The old $3K and $2500 spend SUBs were too much for me but $1K and $1500 I can definitely do so if they have one of those in November I'll go for it after my Chase application before I go back to the garden.
If they don't extend the offer I'll just request the CLI.
@Anonymous wrote:Got my increase. Quite frankly was expecting a denial.
This puts me up to $32K in unsecured credit with NFCU - $12,500 cashRewards, $19,000 Platinum, $500 CLOC (I wish this would grow but it serves its purpose I guess).
I probably shouldn't have done this because I wanted to get my third card later this year. My exposure with NFCU is now almost 170% of my annual income 😅
That sweet news for you!
I put in for a CLI on my More Rewards about 5AM today, haven't seen anything yet. I've checked 3X already 🤣. We'll see, glad you're doing well with Navy.
@Mr_Mojo_Risin wrote:
@Anonymous wrote:Got my increase. Quite frankly was expecting a denial.
This puts me up to $32K in unsecured credit with NFCU - $12,500 cashRewards, $19,000 Platinum, $500 CLOC (I wish this would grow but it serves its purpose I guess).
I probably shouldn't have done this because I wanted to get my third card later this year. My exposure with NFCU is now almost 170% of my annual income 😅
That sweet news for you!
I put in for a CLI on my More Rewards about 5AM today, haven't seen anything yet. I've checked 3X already 🤣. We'll see, glad you're doing well with Navy.
It took them 2 days to get my request processed and I requested on a week day so be patient lol
Good luck on your request! 🍀🤞
I applied for a CLI on my Platinum card on Friday (6/11/21) I still haven't heard anything and I did not get any report alert notifications.
DPs:
It's my 2nd lowest CL at $9,600 I have 12 CCs for about $150K and I'm always under 1% uti.
This is my only NFCU card and I have had it for a little over 1 year now.
My last CLI ($4K) on this card was on 11/18/20.
My EQ9 on NFCU is showing 832 and all my reports are clean
My DTI is about 10% and income is $160K
INQ for TU 0/3, 0/6, 5/12
INQ for EQ 0/3, 0/6, 3/12
My 3 questions are:
1. Should I be worried tthat the CLI requestt went to review and I still haven't heard anything and might it be that it was a SP?
2. I know I should have checked here first and app'ed for a 2nd card first but... If I call on Monday could it be possible to use the same HP to app for a second card?
3. What can I expect for a SL on a second card given my DPs?
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@raisemysc0re wrote:I applied for a CLI on my Platinum card on Friday (6/11/21) I still haven't heard anything and I did not get any report alert notifications.
DPs:
It's my 2nd lowest CL at $9,600 I have 12 CCs for about $150K and I'm always under 1% uti.
This is my only NFCU card and I have had it for a little over 1 year now.
My last CLI ($4K) on this card was on 11/18/20.
My EQ9 on NFCU is showing 832 and all my reports are clean
My DTI is about 10% and income is $160K
INQ for TU 0/3, 0/6, 5/12
INQ for EQ 0/3, 0/6, 3/12
My 3 questions are:
1. Should I be worried tthat the CLI requestt went to review and I still haven't heard anything and might it be that it was a SP?
2. I know I should have checked here first and app'ed for a 2nd card first but... If I call on Monday could it be possible to use the same HP to app for a second card?
3. What can I expect for a SL on a second card given my DPs?
Most cli requests if not all get reviewd. No big deal there. It can take a couple days to hear back. If you requested cli online chances are it will be sp because were it hp those show up almost instantly.
Given your stats , i would expect, though anything is possible ( keep in mind) , a higher credit limit. Only way to know is actually to app. Great thibg is even with lower than expected limit, the growth potential is huge with Navy. 50k on all cards except Flagship, 80k, 80k max exposure. 4k increases every 6 months is still better than most credit cards allow.
Fyi, Navy does not recycle credit pulls. Good luck
@Anonymous wrote:
@Jnbmom wrote:
@Anonymous wrote:Got my increase. Quite frankly was expecting a denial.
This puts me up to $32K in unsecured credit with NFCU - $12,500 cashRewards, $19,000 Platinum, $500 CLOC (I wish this would grow but it serves its purpose I guess).
I probably shouldn't have done this because I wanted to get my third card later this year. My exposure with NFCU is now almost 170% of my annual income 😅
Congrats @Anonymous
Thanks, @Jnbmom
Platinum is up for CLI next month but if they extend the More Rewards $100 for $1K SUB I'll probably hold off. The old $3K and $2500 spend SUBs were too much for me but $1K and $1500 I can definitely do so if they have one of those in November I'll go for it after my Chase application before I go back to the garden.
If they don't extend the offer I'll just request the CLI.
I have been searching for info on their SUBs and just read your post.
Any idea if they change/replace the offers the day after the current expire, or is there usually a lag between offers; I also wonder if they frequently stay the same with little change month to month, because I am getting ready to app and now wondering if I should wait two weeks or so...
My 3rd full statement for my 2nd card was Saturday so promptly hit the CLI button. Still no sign of movement. The suspense is killing me!
I requested a CLI last week but it was denied... never got a letter so don't know if it was denied for being too soon or "max exposure" since I was just approved for my 3rd card last week.
In hoping the CLI department just takes the weekends off and hopefully I'll be at the head of the queue tomorrow morning.
ETA ... I did get a letter explaining why my interest rate for the 3rd card was so high... It said my internal Navy score was 303... up 4 whole points from 3/19! Not sure if that is significant.
@Fletcher2 wrote:
@Anonymous wrote:
@Jnbmom wrote:
@Anonymous wrote:Got my increase. Quite frankly was expecting a denial.
This puts me up to $32K in unsecured credit with NFCU - $12,500 cashRewards, $19,000 Platinum, $500 CLOC (I wish this would grow but it serves its purpose I guess).
I probably shouldn't have done this because I wanted to get my third card later this year. My exposure with NFCU is now almost 170% of my annual income 😅
Congrats @Anonymous
Thanks, @Jnbmom
Platinum is up for CLI next month but if they extend the More Rewards $100 for $1K SUB I'll probably hold off. The old $3K and $2500 spend SUBs were too much for me but $1K and $1500 I can definitely do so if they have one of those in November I'll go for it after my Chase application before I go back to the garden.
If they don't extend the offer I'll just request the CLI.
I have been searching for info on their SUBs and just read your post.
Any idea if they change/replace the offers the day after the current expire, or is there usually a lag between offers; I also wonder if they frequently stay the same with little change month to month, because I am getting ready to app and now wondering if I should wait two weeks or so...
They usually replace the offer very quickly after the current one expires and this one expires June 30th for More Rewards (I haven't checked the other cards).