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Navy Federal Thread for CLI and Additional Cards

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credit_endurance
Valued Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD


@Creditaddict wrote:
A credit card and checking line of credit for $15k but they will be new pulls

I am assuming they will pull EQ according to things I have read. I have one baddie left on that report  what do you think my chances will be for approval for a cc and max checking line of credit?

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 881 of 17,187
bsal
Frequent Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

When going for a navy fed CLC they always pull transunion this is coming from my recent 15k CLC I received 2 weeks ago
Message 882 of 17,187
UncleB
Credit Mentor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD


@bsal wrote:
When going for a navy fed CLC they always pull transunion this is coming from my recent 15k CLC I received 2 weeks ago

FWIW this can vary... many folks have reported having EQ pulled for a CLOC.  Smiley Wink

Message 883 of 17,187
Anonymous
Not applicable

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD


@UncleB wrote:

@bsal wrote:
When going for a navy fed CLC they always pull transunion this is coming from my recent 15k CLC I received 2 weeks ago

FWIW this can vary... many folks have reported having EQ pulled for a CLOC.  Smiley Wink


Exactly as UncleB says. I had TU pulled for membership and card and EQ for CLOC.

Message 884 of 17,187
credit_endurance
Valued Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

So what would be a good introductory cc to start with?

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 885 of 17,187
bsal
Frequent Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

I love the go rewards card
Message 886 of 17,187
baller4life
Super Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

Gorewards or Cashrewards. Whichever suits you best. Smiley Happy
Message 887 of 17,187
MakeItAMudLight
Frequent Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD


@baller4life wrote:
Gorewards or Cashrewards. Whichever suits you best. Smiley Happy

I second this!  I have both.  

Message 888 of 17,187
Creditaddict
Legendary Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD


@MakeItAMudLight wrote:

@baller4life wrote:
Gorewards or Cashrewards. Whichever suits you best. Smiley Happy

I second this!  I have both.  


I'm currently using both.

GoRewards for food and CashRewards everything else!

Message 889 of 17,187
credit_endurance
Valued Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

Okay Thanks everyone for all the suggestions. I will look into both cards and defenetily the $15.K LOC and report back.

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 890 of 17,187
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