Navy Federal Max Unsecured limit reached at 1K?

[Anonymous]

Go for a second card...

My denial reason for my CLI was that I reached max unsecured limit (at $500 lol). They said that even though they gave me 15k thirty minutes after my CLI request. They are more strict with CLI's than new lines of credit (at least for the 2nd card) from what I've seen.

My more detailed reasons from my price of credit letter were:

Utilization (on non navy cards)

too few accounts open for 24 months

and one other I can't remember off top of my head. 

[AverageJoesCredit]

My internal score is horrible, 328 out of 450.

[Meanmchine]

Try again in 6 months

Good luck

[Jnbmom]

In regards to navy being a SP, this is very and I mean very recent that they have not pulled a hard . For in the past is was always a hard pull. It may be a new thing or it may go back to their old ways, kinda too early to tell.

So in the future you may have to thaw your EQ to get a CLI.

[M_Smart007]

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@AverageJoesCredit wrote:
My internal score is horrible, 328 out of 450.

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I had a letter with my internal score, wish I could find it.

[M_Smart007]

From My understanding, NFCU Cards have to be 1year or older to qualify for SP CLI.  

This could be a YMMV kind of thing.

[spiritcraft1]

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@AverageJoesCredit wrote:
My internal score is horrible, 328 out of 450.

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I think 328 is pretty good in their eyes.  I have seen many get 15 - 25k with internal scores in the low 300's.

[spiritcraft1]

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@M_Smart007 wrote:

From My understanding, NFCU Cards have to be 1year or older to qualify for SP CLI.  

This could be a YMMV kind of thing.

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DW got SP CLI's on three cards in a matter of hours in late December, one was a 3 YO former secured, another was an AMEX, 11 months old and the third, a FS was 3.5 months old. 4k (3x), 5k and 5k respectively.  

That could all have been a fluke and it remains to be seen I suppose.

[AverageJoesCredit]

Lol i know its not bad but im not being me if im not confident lol. Ill keep smashing the cli for Cash Rewards until i force them through sheer will to give me a 25k limit! If it ever happens , im gonna go🚀

[M_Smart007]

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@AverageJoesCredit wrote:
Lol i know its not bad but im not being me if im not confident lol. Ill keep smashing the cli for Cash Rewards until i force them through sheer will to give me a 25k limit! If it ever happens , im gonna go🚀

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Smash on Bruh