Navy Federal Thread for CLI and Additional Cards

[Anonymous]

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wrote:

Just wanted to share my experiences with NFCU. I have been a member for 8 years or so, but did have any credit products until recently. While I was in rebuild mode I opened the secured card and have had it for about a year. It hasn't graduated and I haven't asked for it to be either, I don't know if it is normally an automatic graduation and they have just overlooked it or what is going on with that. After my scores improved a bit, I chanced it and app'd for a cashRewards card and was approved 1K limit. After 4 months or so and FICOs in the low-mid 700s,  I requested a CLI for 25K and was countered 3K. Was a bit surprised by the low counter considering the improved FICOs and now no negative items on my CR. I read on here how some had better luck applying for a 2nd card than CLIs, and I cannot agree more! I bit the bullet, well another Navy HP bullet, and app'd for the second card (I don't count the secured card because it isn't a factor in your "exposure limit" with NFCU). I got the 24 hour review notice because I forgot to unlock my Equifax file. After unlocking, rep said give them 24 hours to review. To my surprise about an hour later, I got a message that I had been approved for the goRewards Visa with a SL of $15,000. A rep at Equifax informed me that they are required, if requested, to remove all inquiries beyond the first from the same creditor within a 30 day period. So I once again and rolled the dice. I tried for the CLOC the same day for $15k(Not sure if this matters, but I did have a courtesy $500 CLOC while I was still active duty without any credit report pulls, they just added it because I had my military pay direct deposited there. But that was closed several years ago when I left the military). After a couple hours, I had a message that I was conditionally approved for $7000. So that brings my total exposure to 25k, which must be my internal limit. Just FYI, I called Equifax and had all the inquiries that I incurred except for the first one removed. Rep did it real time, and an updated report the next day verified they were removed. I had not heard of Equifax deleting excess inquiries, just thought I would share. Sorry for the long reply, just wanted to share with everyone. Hope it helps!

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@Anonymous    Thanks for sharing, the data points help everyone on here.    

As for the cards, i had about the same thing.  I only had my acct a week or so and called in to get info on the secured card and the rep told me they would counter if declined, so i apped a CR and got the 1k like you did.   took me 6 months to get a CLI and it was only for 2k more as well.  meanwhile at 91/3, i apped a second card and instant 4k approval.  More than my current with CLI, seemed weird, but i went with it.  I swapped my CR and platinum around and got a nice 2% apr decrease. 

i'm about 2ish weeks from 6 months on the 2nd card now, so we'll see how that CLI goes, but i after 91/3 i apped the Amex and got 15k. figured why not push my luck and apped a cloc and got 14k.   So while we arent seeing the huge CLI's, new cards and some history with navy has gone along way for you and I and everyone else. 

To all the new Navy memebers, just give it time and they will reward you nicely. 

[Anonymous]

Today my third statement posted (91+) on my Flagship Visa and decided to pull the trigger to see if I would be approved for the More Rewards. I was skeptical and as the wheel turned, I was waiting for the "Sorry, we can't approve you...." and then, this!!!! Started in end of July with a $2,100 CR, November 3rd instant approval on the FS $15K and now today $15K!!!! Wahhhoooooo

Congratulations - You're Approved!

You have been approved for a More Rewards Amex card from Navy Federal. Your credit line will be $15,000

$15,000Credit Limit

[Anonymous]

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wrote:

Today my third statement posted (91+) on my Flagship Visa and decided to pull the trigger to see if I would be approved for the More Rewards. I was skeptical and as the wheel turned, I was waiting for the "Sorry, we can't approve you...." and then, this!!!! Started in end of July with a $2,100 CR, November 3rd instant approval on the FS $15K and now today $15K!!!! Wahhhoooooo

Congratulations - You're Approved!

You have been approved for a More Rewards Amex card from Navy Federal. Your credit line will be $15,000

$15,000Credit Limit

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@Anonymous that is great news,congrats my friend!! Wow, its already been 90 days on your Flagship...time flies!! All your hard work really paid off in a big way today!! Fantastic!!

I know I don't have to tell you to have a nice weekend ahead!! 

[Anonymous]

Thank you @wade!

I know, can you believe it?! I remember that morning like it was yesterday! I wasn't anxious this time, it was just on a whim, I wasn't waiting and anticipating "having" to get another card. I think your heart automatically pumps harder while you watch the wheel spin, but this time I don't think that I would have been too disappointed if it was declined after that last instant approval with the $15K SL. But when I saw the Contratulations... and another $15K SL, I couldn't believe it!

You have a great weekend as well my friend!

[jlitnns]

Wow, great SL on the AMEX! Congrats!

[Anonymous]

Thanks @jlitnns!

[Anonymous]

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wrote:

@Thank you @Anonymous!

I know, can you believe it?! I remember that morning like it was yesterday! I wasn't anxious this time, it was just on a whim, I wasn't waiting and anticipating "having" to get another card. I think your heart automatically pumps harder while you watch the wheel spin, but this time I don't think that I would have been too disappointed if it was declined after that last instant approval with the $15K SL. But when I saw the Contratulations... and another $15K SL, I couldn't believe it!

You have a great weekend as well my friend!

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@Anonymous good to see you on this thread @Anonymous! You've done such a great job of strategizing and it's really paid off.  I'll be watching for your next success at Navy!!

[Anonymous]

Just noticed that this thread is at 6,000 posts lol!! Thanks to CA for startin' it up, this thread changed my life and to everyone that's contributed...you guys ROCK!!

[Anonymous]

Thank you again @wade!

My scores are slowly increasing, in fact just before I saw this next post, I got an alert that my EQ just increased 5 pts up to 643 (finally into the 640s)!

I have two baddies that I have to try and negotiate removal with PIF which I'm sure will help me immensly. The other thing I have to do is get my little self into the garden. I have had a very tough time holding back. I have to take control and just watch my scores grow. Way too many inquiries! Keeping my util super low between 1 and 3 %...

Fico 8 Scores as of today:

EX: 665 (5 points to "Good")!

TU: 648 (hoping for another MyFico alert today with another increase)

EQ: 643 (Yay, out of the 630s)!

[Anonymous]

Ditto on that @wadedalton!