Navy Federal Thread for CLI and Additional Cards

[Anonymous]

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@kugel wrote:
I have a nfcu rewards card with a 15k and a cloc of 15k for over 7 months now
I applied for a second card and was not approved just got the letter for the reason is
Request exceeds maximum unsecured loan limit (primery)

In any case will this effect me getting the CLI on first card

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Most likley yes - that decline reason indicates that you currently have all the available credit Navy wants to give you right now

[oldman425]

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@Anonymous wrote:

it should be a soft pull if they give you a quick response.  I just request a CLI on my cash rewards card. my initial limit was $3100  three months ago.  I have had 3 statements so i went ahead and

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@had2978 wrote:

I got approved for the Navy Platinum card yesterday, SL was $11,200. I was hoping for $24,000. I was wondering if i can request a cli now and is it a SP or HP.

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asked for 24k and a day later i check and it raised my limit to 9k ... im not sure if it was a hard pull or soft to be honest. Do yall think i should try it again for 20k or wait another 3 months?

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Maybe wait 6 months.

[Anonymous]

wait another 6 months?? or 3 additinal months?  Do you think i can get the automatic counter offer now that its my second time asking for a CLI? Im at 9k right now but i want the 25k limit. 

[echoecho]

More data point for the cli timeframe. Approved my first navy cc in 9/16 with best rates and sl of 25k on the platinum. Requested my second cc cashRewards and was denied twice until 3 statements cut and 90 days on 12/28/2016 with only 5k sl. Last week I requested cli for cashRewards and 24 hrs message. Called csr to recon , stated was denied. Send secure message no reply. Received letter today " acct too new". TU score 740.
Ymmv but no cli again for me until the ar in July when cashRewards is more than 6 months old. Hope this helps someone.

[Anonymous]

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@Anonymous wrote:

wait another 6 months?? or 3 additinal months?  Do you think i can get the automatic counter offer now that its my second time asking for a CLI? Im at 9k right now but i want the 25k limit. 

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Navy WILL NOT change the limit on a card more than once in a 180 day period, regardless of why the increase that started the clock occurred.  see you in 6 months.

[Anonymous]

I've read mixed reviews- does nfcu report statement balance or balance 3 days after statement to bureaus? Just trying to learn their timing. Thanks!

[Aduke1122]

It has always been my statement balance that is posted 3 days after due date @Champcardz

[Anonymous]

Thank you Aduke!

[Aduke1122]

No problem

[sdsoccerdad]

Probably a real silly question but could not find the answer from doing some googline.  Is there a way to see your NFCU internal score online?