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

AverageJoesCredit
Legendary Contributor

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

 


@M_Smart007 wrote:

@AverageJoesCredit wrote:

@MrZero wrote:

It's been a minute since I last logged in, though ment to last month when I got an auto CLI on my Chase card but anyway, my CR's 181 days was up on Monday, forgot it was the 17th until a few days passed so I put in a request for 25K on Thursday because why not? That would've been a 14K increase which I wasn't expecting, they ended up giving my an 8K increase which was more than I actually expected so now my Cash Rewards is up to 19,000.

 

Not bad for a card that started at $1,000 in April 2020. Smiley Tongue


Very cool MR 0. Smiley Happy. I Think often some worry too much on sl with Navy when show me another lender where 16,000 a year is possible in cli sinply by requesting itSmiley Wink


Slightly OT .. Lowe's ?  .. $7K-$35K in less than a month.Smiley Tongue


Yeah but im talking about every 6 months  , twice a year continuously until youve reached max. Sync can give a big increase but not everyone gets them with Sync as much as Navy and Lowes maxes out at 35k which in many cases can be got in one request. 

 

I just refer to Navys amazing cli process. If im eligible and i get a 1k sl, i could theoretically achieve  a 50k line in 3 years, basing off 8k max , not even considering other Navy cards like FS in the mix. Sure Amex is great in that aspect but again many dont see the exponential growth like one can see with Navy.

 

Anyway lol, im sure my point can be steered another direction in support of other lenders but my message really is Navy RocksSmiley Happy

Message 821 of 1,502
SUPERSQUID
Valued Contributor

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

Is there a best way to do the 95/3 new card/cli thing?

I have read its wise to apply for card number 2 and then ask for a cli on card number one.

What is the proper criteria?

Apply for card number 2 and then wait a day or two to ask for a cli on card number 1?

{ BK7 DC 12/2019 } target 1300/ kohls Visa 7000/ 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 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 9k, 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 around 20 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 100k
Retired since 2017
Message 822 of 1,502
M_Smart007
Legendary Contributor

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


@SUPERSQUID wrote:

Is there a best way to do the 95/3 91/3 new card/cli thing?

I have read its wise to apply for card number 2 and then ask for a cli on card number one.

What is the proper criteria?

Apply for card number 2 and then wait a day or two to ask for a cli on card number 1?


@SUPERSQUID, I would apply for card #2 first,  wait for approval or denial  .. then ask for CLI on 1st card.

Message 823 of 1,502
SUPERSQUID
Valued Contributor

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


@M_Smart007 wrote:

@SUPERSQUID wrote:

Is there a best way to do the 95/3 91/3 new card/cli thing?

I have read its wise to apply for card number 2 and then ask for a cli on card number one.

What is the proper criteria?

Apply for card number 2 and then wait a day or two to ask for a cli on card number 1?


@SUPERSQUID, I would apply for card #2 first,  wait for approval or denial  .. then ask for CLI on 1st card.


The same day as the approval/denial?

{ BK7 DC 12/2019 } target 1300/ kohls Visa 7000/ 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 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 9k, 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 around 20 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 100k
Retired since 2017
Message 824 of 1,502
OmarGB9
Community Leader
Super Contributor

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


@SUPERSQUID wrote:

@M_Smart007 wrote:

@SUPERSQUID wrote:

Is there a best way to do the 95/3 91/3 new card/cli thing?

I have read its wise to apply for card number 2 and then ask for a cli on card number one.

What is the proper criteria?

Apply for card number 2 and then wait a day or two to ask for a cli on card number 1?


@SUPERSQUID, I would apply for card #2 first,  wait for approval or denial  .. then ask for CLI on 1st card.


The same day as the approval/denial?


Yes you can do both in one day.


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 825 of 1,502
cakeransom
New Member

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

Hi, all

 

I do have a bit of a technical question.  I applied for CLI increase, however, the site crashed when I submitted the request and I got kicked out.  Can anyone tell me if you receive any kind of email or confirmation from NFCU after submitting a request for CLI? I do not want to do it twice.

 

 

Thanks!

Message 826 of 1,502
AverageJoesCredit
Legendary Contributor

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


@cakeransom wrote:

Hi, all

 

I do have a bit of a technical question.  I applied for CLI increase, however, the site crashed when I submitted the request and I got kicked out.  Can anyone tell me if you receive any kind of email or confirmation from NFCU after submitting a request for CLI? I do not want to do it twice.

 

 

Thanks!


No confirmation.  Just do it again. If you are eligble for an approval they will approve. No penalty to ask twice in a day .

Message 827 of 1,502
M_Smart007
Legendary Contributor

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


@SUPERSQUID wrote:

@M_Smart007 wrote:

@SUPERSQUID wrote:

Is there a best way to do the 95/3 91/3 new card/cli thing?

I have read its wise to apply for card number 2 and then ask for a cli on card number one.

What is the proper criteria?

Apply for card number 2 and then wait a day or two to ask for a cli on card number 1?


@SUPERSQUID, I would apply for card #2 first,  wait for approval or denial  .. then ask for CLI on 1st card.


The same day as the approval/denial?


@SUPERSQUID, YES!

Message 828 of 1,502
mystikal1
Established Contributor

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

Lazy and shocked, I didn't opt out of auto CLI, new statement cut yesterday logged in today to auto CLI of 4k raising limit to 24k.

 

DP:

Fico 9 776

Account 10 months old

SL 12.5k

Moderate spend, mostly PIF

Savings and Checking, small DD in Checking

BK discharged 2019

 

Message 829 of 1,502
AverageJoesCredit
Legendary Contributor

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


@mystikal1 wrote:

Lazy and shocked, I didn't opt out of auto CLI, new statement cut yesterday logged in today to auto CLI of 4k raising limit to 24k.

 

DP:

Fico 9 776

Account 10 months old

SL 12.5k

Moderate spend, mostly PIF

Savings and Checking, small DD in Checking

BK discharged 2019

 


Man im so sorry to read that. Thats a bummer. Free credit limit increase and didnt even ask for it. The nerve of Navy Federal.

Message 830 of 1,502
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