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Navy Federal Thread for CLI and Additional Cards

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morgacj2004
Valued Contributor
‎07-28-2016 04:44 PM
‎07-28-2016 04:44 PM

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

Question for CA or? It was suggested in another thread that I PC my Flagship card prior to the next AF what card would you suggest ?

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550
Message 891 of 17,187
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Creditaddict
Legendary Contributor
‎07-28-2016 04:57 PM
‎07-28-2016 04:57 PM

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

@morgacj2004 wrote:
Question for CA or? It was suggested in another thread that I PC my Flagship card prior to the next AF what card would you suggest ?

Go Rewards if you like restaurant.

Cash Rewards if you just want simple 1.5%

Message 892 of 17,187
credit_endurance
Valued Contributor
‎07-28-2016 06:18 PM
‎07-28-2016 06:18 PM

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

So I decided on the gorewards since I really didnt have a card in that catergory and was approved for $4,000. Not so sure if that is a liitle low for NFCU standards but nonetheless I will accept and get my foot in the door. Immedietly apped for CLOC and it is under review last 2 hours now. Could go either way im guessing?

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 893 of 17,187
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Scupra
Super Contributor
‎07-28-2016 07:04 PM
‎07-28-2016 07:04 PM

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

Morgacj, would you mind attempting to have them waive the AF? Just for a data point. I was unable to get it done and I gave it a solid effort.

Has anyone else tried?
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 894 of 17,187
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Creditaddict
Legendary Contributor
‎07-28-2016 07:14 PM
‎07-28-2016 07:14 PM

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

No, why would they? They allow you to pc any time!
Message 895 of 17,187
morgacj2004
Valued Contributor
‎07-28-2016 07:37 PM
‎07-28-2016 07:37 PM

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

I will ask for a waiver cant hurt. But I may go for the cash rewards is that card equal to my BofA cash rewards? If so I can dump it and the AF.

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550
Message 896 of 17,187
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Creditaddict
Legendary Contributor
‎07-28-2016 07:52 PM
‎07-28-2016 07:52 PM

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

It's 1.5% simple cash back
Message 897 of 17,187
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Anonymous
Not applicable
‎07-28-2016 07:57 PM
‎07-28-2016 07:57 PM

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

I believe you also get an extra 2% at costco...
Message 898 of 17,187
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Anonymous
Not applicable
‎07-28-2016 07:57 PM
‎07-28-2016 07:57 PM

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

https://www.navyfederal.org/products-services/cards/creditcards/costco.php?intcmp=hp|hero|1|crd|gen|...
Message 899 of 17,187
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Creditaddict
Legendary Contributor
‎07-28-2016 08:07 PM
‎07-28-2016 08:07 PM

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

Yes!!!
That's 5.5% if your Exec member until 12/31!!!
Message 900 of 17,187
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