Navy Federal Thread for CLI and Additional Cards

[Anonymous]

Has anyone gotten 3 NFCU cards in under a year?

Looking to app for my 3rd card here in a couple months. Got my first one 1/18, second 5/18. If it's unrealistic I'll just wait until my one year but if possible I was going to app after the AR review in September.

[shadanat]

I’ve done the pay with points. It took two days for the credit to appear

[Anonymous]

To what changes are you referring? Is the Flagship becoming a better card...or worse?

I only have the CR right now (approved in March, so still new). I am trying to figure out the next card I'll try for in November after AR.

[kilroy8]

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@Anonymous wrote:
To what changes are you referring? Is the Flagship becoming a better card...or worse?

I only have the CR right now (approved in March, so still new). I am trying to figure out the next card I'll try for in November after AR.

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See this thread:

https://ficoforums.myfico.com/t5/Credit-Cards/Your-Flagship-Card-Is-Getting-Even-Better/m-p/5320935#M1577521

[CreditMagic7]

Anyone know when the next AR comes to our report?

I may or may not consider at that time also to see if a 3rd card could be in the works for this profile too.

[AverageJoesCredit]

Begining of September CM7

[Brian_Earl_Spilner]

I'm 2 weeks away from 91/3. Anyone got some of that anti-app creme?

[Anonymous]

I feel ya. My CR hits 91/3 in 7 days. My Eq Fico9 has bumped from 644 last AR to 679 current. Debating on pulling the trigger for increase or waiting until the next AR. Rep told me they recommend 6 months though. We shall see.

[Brian_Earl_Spilner]

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@Anonymous wrote:
I feel ya. My CR hits 91/3 in 7 days. My Eq Fico9 has bumped from 644 last AR to 679 current. Debating on pulling the trigger for increase or waiting until the next AR. Rep told me they recommend 6 months though. We shall see.

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Fingers crossed for you. What's it at now?

[Anonymous]

*SEE UPDATE BELOW*I spoke with an NFCU rep regarding a CLI I requested after my acct was open 85 days. Rep gave me a few confirmations:

They are now pulling EQ for cards and TU for loans and CLOC.

You will be auto denied a CLI and no HP or SP if your acct is newer than 90 days.

She also said you cannot get a 2nd card until 6 months (forum feedback seems contradictory unless this is new)

For CLIs they look at the following on a HP:
Your FICO
Your credit utili
Your current NFCU pay history and utili

Thought Id share. She provided this info unprompted.

UPDATE
Spoke with another rep at length stated firmly all loan products (except mortgage) are 99% EQ pull unless they cannot pull EQ for some reason.

I was denied a CLI after 92 days but approved for a 25k SL Flagship card within 24hrs of the CLI request. EQ hard pull