Navy Federal Thread for CLI and Additional Cards

[Anonymous]

That's encouraging.  I may have to give it a shot.

I should mention that I applied a few months back when I was just randomly applying for whatever I could get.  That was also before I knew my scores or had any idea this board existed.  Should I give it a few months?  Also how long after a hard inquiry can you recon a denial?  I'd hate to waste an inquiry if I don't have to.  My scores aren't great but they're certainly better than they were after a month of rebuilding.

[PrinceCorwin]

I was approved for $1700 CC with scores similar to your current scores

[peghede]

AR done yet, they pull Eq correct?

[rmduhon]

Usually TU and/or EQ

[Anonymous]

I was denied with mid 500s and again on recon. 🙁

[Anonymous]

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@Anonymous wrote:

Applied for the Platinum, I need a BT card so... I wasn't going to meet the 3k in 90 for 20,000 points.

Pulled TU (got the alert) Fico 8 is 666...

TU shows overall UTI at 9% ( It will go up to 12 once PenFed updates, not sure if this pull included 9 or 12% )

Received 24 hour message.

Got a txt 5 minutes later saying it is being reviewed.

I've had my cashRewards card for 1 year.

Started at 5k with a TU of 611.CLI Nov 2016 SP AR CLI) to 22k

Always PIF, I've put 10K on the card in a year.

PenFed CC at 33,500

Cap1 at 4K

we'll see what they say...

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Looks like I was declined my second card... Booo

Guess I need to call in and see why...

[Anonymous]

Wait for the letter.. bla.. bla.. blah...

[700orbust]

After the AR, do they do auto CLIs and/or update the offers page? Just curious. I've only done one CLI request and that was via phone and required a HP, 5k>15k. I've carried a significant balance on the card for some time but paid the whole thing off now. I've got over double that in cash in their bank. I do have a collection currently reporting (fighting that), but other than that my util is like 3%. I'm just wondering if I should hit that button or wait to see if they auto CLI.

[Anonymous]

The scores in my sig are the same from when I applied for the cash Rewards card on the same day I joined. My reports were in dispute for 6 lates from last year (*** Barclays).

The CSR did say that I would have gotten a larger SL ($1700) if it weren't for the baddies, but I was still pleasantly surprised that I was approved for anything, so you may be as well

[Anonymous]

Can anyone report seeing the AR done yet? I was thinking they'd do it early again since the 1st falls on Saturday and the holiday is right after too.