Navy Federal Thread for CLI and Additional Cards

[rmduhon]

Our CLI request went into review. Gonna just ride it out and see what happens.

[recoverysauce]

After I seen the AR went through late last night I hit the button, no love  

I called and was able to get the rep to remove the request to avoid HP. She gave me the 6 month I am too new to NFCU spill as well.

Personally I know it had to just be utilization too high. Because I have had 3 accounts removed last month from collections, only 1 baddie left is missed a payment from 2014 that is all paid off and never went to collections. Opened my account in Sept. I am not giving up just going to PIF and let it idle a couple more months. Come on May 1st!

[BIGSTARXXX1]

AR for wife on 2/28 - just checked EQ on my free annualcreditreport

Her 3rd statement cut 2 weeks ago - 100 days since 

Limit increase approved from 1,000 to 15,000 !

Yea ...

[nmjacobs]

Just went for it and got the under review 24 hr message.

Account is 95 days old, 3 statements have cut. SL 2100. EQ has two collections on it (both under reinvestigation). All 3 reports have a fraud alert due to my medical dispute.

Current utilization on this account is 79%, overall it's under 50%.

Hit max. My income is 45,000.

Now I wait.

[woodyman100]

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@CreditCuriousity wrote:

2nd card i have with them.. Open about 100 days ago 3rd statement just cut this morning.  So have now 2 25k Navy cards.. Was a SP as all CRA's are froozen .  Came back in about 1 second without thinking I used the "max" button

Thanks Navy

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Sweeeeeeeeeeeeeeettttttt!

[Anonymous]

At first they declined my CLI for two erroneous reasons, too recent of a CLI and account less than 6 months old. Cust Service rep got lending on the phone to review my account and said they'd need to pull a credit report and I agreed. After 2 mins of waiting, the customer service rep comes back to inform me that my $500 limit GoRewards is now sitting at $15,000!

[Creditaddict]

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@Anonymous wrote:

Couldn't find this scenario in my skimming of he 224 pages of this thread so my apologies in advance if this is redundant:

membership approved in 11/16. 

Apped and approved for $9K installment loan on 2/1/17

Apped and approved for $10K CLOC on 3/1/17

Do or should I let those two accounts season a bit before my FIRST cc app?

thanks

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You can apply for credit card now.

[Anonymous]

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@Anonymous wrote:
At first they declined my CLI for two erroneous reasons, too recent of a CLI and account less than 6 months old. Cust Service rep got lending on the phone to review my account and said they'd need to pull a credit report and I agreed. After 2 mins of waiting, the customer service rep comes back to inform me that my $500 limit GoRewards is now sitting at $15,000!

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Erroneous? Just interested in your data points. I'm think of calling back and speaking to a different rep. I haven't asked for a CLI and opened in September. Thanks! 

[Anonymous]

Congrats to all the cli peeps!
I got after the Nov 16 AR. 5k to 22k.

Something with that 22k number...

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
At first they declined my CLI for two erroneous reasons, too recent of a CLI and account less than 6 months old. Cust Service rep got lending on the phone to review my account and said they'd need to pull a credit report and I agreed. After 2 mins of waiting, the customer service rep comes back to inform me that my $500 limit GoRewards is now sitting at $15,000!

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Erroneous? Just interested in your data points. I'm think of calling back and speaking to a different rep. I haven't asked for a CLI and opened in September. Thanks! 

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Yeah, they said my account was too new, when it was more than 6 months old, and they also said i had received a credit limit too recently, when in fact I had never received one before. 

My aacount is 8 months old, first CLI attempt. My scores were in the low 600's when I opened the accoubt, and now they're all in the 720's.