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

[Jazee]

If I have a Platinum at $4,500 < 30% UTI and a Flagship at $25,500 85% UTI, 0 inquiries in 24 months, low DTI (20%), no CLI requests in the 3+ years I've had the cards.  Credit files locked to prevent hard pull (I'm apping for a new card elsewhere so don't want any HPs prior).  Should I request max $8K CLI for one or both cards and if one card does it make a difference which one?

[titancylinder]

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@Jazee wrote:

If I have a Platinum at $4,500 < 30% UTI and a Flagship at $25,500 85% UTI, 0 inquiries in 24 months, low DTI (20%), no CLI requests in the 3+ years I've had the cards.  Credit files locked to prevent hard pull (I'm apping for a new card elsewhere so don't want any HPs prior).  Should I request max $8K CLI for one or both cards and if one card does it make a difference which one?

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It does not matter. I request the 8k Max for both of my NFCU cards. Navy will always counter the most they're willing to grant. In my case, they've always granted the 8k on both cards, but YMMV. Also, Navy is not inquiry sensitive. I would say they are more aggregate DTI-sensitive. But I've seen plenty of cases of people with maxed out Navy Cards getting CLIs. In my early days with Navy, that was not the case for me. They didn't grant any CLI's for me until I got my DTI very low.  Now, they've basically given me everything I have ever requested. 

[GZG]

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@Jazee wrote:

If I have a Platinum at $4,500 < 30% UTI and a Flagship at $25,500 85% UTI, 0 inquiries in 24 months, low DTI (20%), no CLI requests in the 3+ years I've had the cards.  Credit files locked to prevent hard pull (I'm apping for a new card elsewhere so don't want any HPs prior).  Should I request max $8K CLI for one or both cards and if one card does it make a difference which one?

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make sure to do the CLI on an iOS device, the new CLI interface doesn't allow you to ask for a certain amount anymore 

[SPChaser]

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@GZG wrote:

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@Jazee wrote:

If I have a Platinum at $4,500 < 30% UTI and a Flagship at $25,500 85% UTI, 0 inquiries in 24 months, low DTI (20%), no CLI requests in the 3+ years I've had the cards.  Credit files locked to prevent hard pull (I'm apping for a new card elsewhere so don't want any HPs prior).  Should I request max $8K CLI for one or both cards and if one card does it make a difference which one?

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make sure to do the CLI on an iOS device, the new CLI interface doesn't allow you to ask for a certain amount anymore 

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Can again confirm this. On 10/12 requested CLI on DM's Platinum card via Macbook, and there was no where for me to set a request amount, only to confirm basic income info. Fortunately for my credit card game high, Navy has finally open the purse strings for DM, and she was awarded an 8k increase.