Navy Federal Thread for CLI and Additional Cards

[Creditaddict]

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@elbori357 wrote:

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@Creditaddict wrote:

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@elbori357 wrote:
@Anonymous.. I have my flagship siggy visa for a year now.. Last year i ran around 60k on the card and always PIF, only letting it report around 1500 a month for FICO optimun score. I would like to ask them for a CLI should I wait for March SP or should I pull trigger now? Should I go all out for the 80k. My current income is 120k+
Thoughts?
Thanks

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since you are going to ask for over $25k, waiting for the AR is pointless when you already have a year under your belt because no matter what it will be manual reviewed and a hp done.  I would suggest sending along paystubs at same time to speed the process up but I would think your use would really help you!

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Sent my request for the full 80k (doubt an approval of full requested amount) but since it will be a HP might as well go all in. Wondering which CRA will they pull?

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most likely EQ but sometimes TU

[elbori357]

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@Creditaddict wrote:

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@elbori357 wrote:

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@Creditaddict wrote:

---

@elbori357 wrote:
@Anonymous.. I have my flagship siggy visa for a year now.. Last year i ran around 60k on the card and always PIF, only letting it report around 1500 a month for FICO optimun score. I would like to ask them for a CLI should I wait for March SP or should I pull trigger now? Should I go all out for the 80k. My current income is 120k+
Thoughts?
Thanks

---

since you are going to ask for over $25k, waiting for the AR is pointless when you already have a year under your belt because no matter what it will be manual reviewed and a hp done.  I would suggest sending along paystubs at same time to speed the process up but I would think your use would really help you!

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Sent my request for the full 80k (doubt an approval of full requested amount) but since it will be a HP might as well go all in. Wondering which CRA will they pull?

---

most likely EQ but sometimes TU

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Ok, I just logged in to my account and the new CL is 38k. Not what I was expecting but 13k increase is not so bad. They pulled equifax.

Thanks for all the information

[Creditaddict]

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@elbori357 wrote:

---

@Creditaddict wrote:

---

@elbori357 wrote:

---

@Creditaddict wrote:

---

@elbori357 wrote:
@Anonymous.. I have my flagship siggy visa for a year now.. Last year i ran around 60k on the card and always PIF, only letting it report around 1500 a month for FICO optimun score. I would like to ask them for a CLI should I wait for March SP or should I pull trigger now? Should I go all out for the 80k. My current income is 120k+
Thoughts?
Thanks

---

since you are going to ask for over $25k, waiting for the AR is pointless when you already have a year under your belt because no matter what it will be manual reviewed and a hp done.  I would suggest sending along paystubs at same time to speed the process up but I would think your use would really help you!

---

Sent my request for the full 80k (doubt an approval of full requested amount) but since it will be a HP might as well go all in. Wondering which CRA will they pull?

---

most likely EQ but sometimes TU

---

Ok, I just logged in to my account and the new CL is 38k. Not what I was expecting but 13k increase is not so bad. They pulled equifax.

Thanks for all the information

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that was quick and not bad!

[Anonymous]

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@elbori357 wrote:

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@Creditaddict wrote:

---

@elbori357 wrote:

---

@Creditaddict wrote:

---

@elbori357 wrote:
@Anonymous.. I have my flagship siggy visa for a year now.. Last year i ran around 60k on the card and always PIF, only letting it report around 1500 a month for FICO optimun score. I would like to ask them for a CLI should I wait for March SP or should I pull trigger now? Should I go all out for the 80k. My current income is 120k+
Thoughts?
Thanks

---

since you are going to ask for over $25k, waiting for the AR is pointless when you already have a year under your belt because no matter what it will be manual reviewed and a hp done.  I would suggest sending along paystubs at same time to speed the process up but I would think your use would really help you!

---

Sent my request for the full 80k (doubt an approval of full requested amount) but since it will be a HP might as well go all in. Wondering which CRA will they pull?

---

most likely EQ but sometimes TU

---

Ok, I just logged in to my account and the new CL is 38k. Not what I was expecting but 13k increase is not so bad. They pulled equifax.

Thanks for all the information

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Congrats on the increase.  Did you send in pay stubs, etc with you CLI request?

[elbori357]

Yes. Sent them via messages but do not think they even looked at them as right after I sent them went back to main screen and there it was the new cl.

[AintYouADaisy]

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@elbori357 wrote:

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@Creditaddict wrote:

---

@elbori357 wrote:

---

@Creditaddict wrote:

---

@elbori357 wrote:
@Anonymous.. I have my flagship siggy visa for a year now.. Last year i ran around 60k on the card and always PIF, only letting it report around 1500 a month for FICO optimun score. I would like to ask them for a CLI should I wait for March SP or should I pull trigger now? Should I go all out for the 80k. My current income is 120k+
Thoughts?
Thanks

---

since you are going to ask for over $25k, waiting for the AR is pointless when you already have a year under your belt because no matter what it will be manual reviewed and a hp done.  I would suggest sending along paystubs at same time to speed the process up but I would think your use would really help you!

---

Sent my request for the full 80k (doubt an approval of full requested amount) but since it will be a HP might as well go all in. Wondering which CRA will they pull?

---

most likely EQ but sometimes TU

---

Ok, I just logged in to my account and the new CL is 38k. Not what I was expecting but 13k increase is not so bad. They pulled equifax.

Thanks for all the information

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Congrats on the increase!  Shoot, might not have been $80 but like you say, a $13k bump isn't bad!

[Anonymous]

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@elbori357 wrote:
Yes. Sent them via messages but do not think they even looked at them as right after I sent them went back to main screen and there it was the new cl.

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Interesting., thanks for the quick reply

[AintYouADaisy]

Ya know Irish, with your scores you should have no issues getting love from them.  C'mon, I know you're itching to pull the trigger but waiting anyways.  

Whatcha waitin' on?  

[Anonymous]

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@AintYouADaisy wrote:

Ya know Irish, with your scores you should have no issues getting love from them.  C'mon, I know you're itching to pull the trigger but waiting anyways.  

Whatcha waitin' on?  

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Heh, I'm chicken.  I'll probably wait until the next AR at the end of this month.

[elbori357]

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@Anonymous wrote:

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@AintYouADaisy wrote:

Ya know Irish, with your scores you should have no issues getting love from them.  C'mon, I know you're itching to pull the trigger but waiting anyways.  

Whatcha waitin' on?  

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Heh, I'm chicken.  I'll probably wait until the next AR at the end of this month.

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Irish,

As CA mentioned to me earlier, if the CLI request is more than 25k a hard pull will be done anyways cause it will be a manual review.

Pull the trigger!!!