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Navy Federal Thread for CLI and Additional Cards

tag
Creditaddict
Legendary Contributor

Re: Navy Federal Thread for CLI and Additional Cards

I wouldn't bother recon if it goes tonreview and denied.
Since the util was on their account they will see it without the ar
Message 2531 of 17,187
Anonymous
Not applicable

Re: Navy Federal Thread for CLI and Additional Cards


@Anonymous wrote:

Last question.. Promise!!

 

So technically I can try now, and if for whatever reason it's denied, I can try for recon. If denied, I may be able to TRY AGAIN when the AR comes in May? LOL. I only ask becuase my report is quickly paid down and *slowly* getting better and better. I hate waiting for updates... I've paid down nearlly all accounts 100%, but two of them are still being reported as 80~90%+ util. It's killing me to wait, and with this spree, forget it, I don't care about one additional HP.

 

I'm almost certain that if I'm denied now, when all of those payments are reflected on my CR, I'll be less than 10% and should without question be approved. My wife got 24K, I have a higher income than her and my scores should be in check as well. We're pretty much the same across the board profile wise, I just have creditors that like to take their time to update.Smiley Very Happy

 

Whatcha think? 


I think you will be SO much better off if you can just manage to rein in your enthusiasm for another ~15 days...May 1 is not that far away...YOU CAN DO IT! Smiley Very Happy

Message 2532 of 17,187
Anonymous
Not applicable

Re: Navy Federal Thread for CLI and Additional Cards

This is the last pull before the Garden! Also, it sounds like if I'm denied I can apply again when the next AR hits. So it kinda seems like I might have TWO chances instead of  one... This of course because I'm willing to take a HP. 

 

But yeah, my enthusiasm is taking control.. It's a monster and it's very real LOL Smiley Mad

Message 2533 of 17,187
sdsoccerdad
Established Contributor

Re: Navy Federal Thread for CLI and Additional Cards

I just reached 90+ days and had 4 statements cut for my GoRewards.  I put in a CLI request for max amount and also received the 24 hour message.  I did not want to take a chance of it being denied and possible hp so I quickly called and canceled.  

Personal Cards:


Business Cards:

Started my journey in the high 500's 10/1/2016
Current Fico: EQ:740 | TU:757 | EX:775
Message 2534 of 17,187
sdsoccerdad
Established Contributor

Re: Navy Federal Thread for CLI and Additional Cards

I tried for a cli again figuring maybe I was getting the 24 hour message due to the holiday weekend and was approved for $22,000!!! Instant approval. 

scores are about the same.  I got this card in January and put an average of $3000 a month making payments every two weeks.  

 

Personal Cards:


Business Cards:

Started my journey in the high 500's 10/1/2016
Current Fico: EQ:740 | TU:757 | EX:775
Message 2535 of 17,187
Anonymous
Not applicable

Re: Navy Federal Thread for CLI and Additional Cards

Nice CLI sdsoccerdad!!
Message 2536 of 17,187
credit_endurance
Valued Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Congrats sdsocceedad on the increase! My platinum visa went from $2k to $22k this past AR. NFCU is awesome!

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 2537 of 17,187
sdsoccerdad
Established Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Thank you. It's been quite a journey. I am thinking I should be good now in terms of cards. I want to try and be good so I can get the illusive chase cards. Illusive for me. Haha.
Personal Cards:


Business Cards:

Started my journey in the high 500's 10/1/2016
Current Fico: EQ:740 | TU:757 | EX:775
Message 2538 of 17,187
Aduke1122
Senior Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Congrats Soccerdad that's awesome
Message 2539 of 17,187
Anonymous
Not applicable

Re: Navy Federal Thread for CLI and Additional Cards

@sdsoccerdad, that's great news!

 

Congrats on the new CLI!!

 

Smiley LOL

Message 2540 of 17,187
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