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Navy Federal Thread for CLI and Additional Cards

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Valued Contributor

Re: Navy Federal Thread for CLI and Additional Cards

So to recap...

 

     Denied for NFCU Flagship

     Approved for $1000 NFCU Cash Rewards

yet...

     CLI of $2.5k on Paypal  (all I asked for)

     CLI of $5k on Lowes  (all I asked for)

     CLI of $2k on Discover

     2-3 day pending on CLI for 2nd Discover

and...

prequaled or preapproved for 

     Regions cards including Premium Siggy  

     BBVA cards

     US Bank cards including Siggy

     Home Depot card

 

all within the same 3 days.

 

So weird.  I really hope NFCU as good as people say.  Time will tell.

Rebuild started in 2014  -  $100k total unsecured credit in 2017  -  $200k+ total unsecured credit in 2019.

  DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

       10% Rotating - Discover                             5%-20% - Amazon & Lowes                       6% Groceries - Amex Preferred (DW)
       5% Gas & Sporting - Ducks Unl                 4% Dining & Entertain - Savor                   3% Travel & Hotels - Propel & Uber
       2% Everything Else - Venture                    1% Cancer Charity - Fifth Third                 0% Financing Promos - QuickSilver



   
Message 9421 of 9,525
Established Member

Re: Navy Federal Thread for CLI and Additional Cards


@TexasFamMan wrote:

Turned down for the cash rewards 2 hours after the Under Review message.  Turned down for an auto refi on my truck with my wife as a cosigner immediately.  Called in and was told it was due to my cosigner so we redid the app with just me.  Went under review because the current lender was closed for the day.  Got an email a few hours later stating it was declined so I called in this morning to ask why.  I was told it was due to past delinquent credit obligations (our BK).  So the whole 1 year wait after a BK discharge isn't their requirement apparently.  We've re-established our credit since the discharge including their secured credit card for my wife which graduated a few months ago.  We pay in full every month and other credit we established has been excellent with no late payments whatsoever.  I really don't know what NFCU wants from me before approving me for anything.  Scores are in the mid 600s too so those shouldn't be an issue.  DTI is low.

 

I give up on NFCU.


@TexasFamMan I know it’s frustrating being declined, but the key is to remain persistent and let your relationship with NFCU mature; you can help that cause by getting your own NFCU secured card and not relying on just being an AU on your wife’s card.  Although most of the information found on this forum is top notch and pretty straight on, there are times when what we see posted or even hear from a CSR isn’t always accurate.  The saying YMMV rings true with NFCU.

 

i started my rebuild with NFCU in Aug of 2017 after my BK7.  I took everyone’s advise and got a secured card that graduated at the 11 month mark.  I applied for and got a CLOC for $4500 in Oct 2017.  In May 2018, only 10 months post BK I got approved for a $1000 CR card.  In Apr 2018 I got a CLI to $10,000 on my CLOC.  And finally just today, after two declines and only  21 months post BK I got a $2000 CLI on my CR card. So it doesn’t take a year after BK to get a CC from NFCU, and you don’t have to wait until the 2yr mark to get more than a $1000 credit product from them.  

 

It will take some time to mature your relationship with NFCU after an event like a BK, but as that relationship builds you will see the flood gates open and more opportunities will be available for you.  June 26th marks two years since my BK, and NFCU has been a huge part of my rebuild.  I consider people like you and I lucky that we even have the opportunity to be a member with NFCU, as many people that post here cant.  I have been with them for 29 years, joined in 1989 when I served in the Navy and feel lucky to have that opportunity.  Take a breath, regroup, apply for your own secured card, and watch everything grow.  Once you get that secured card to graduate, I am positive you will be signing a different tune regarding NFCU.  

 

Remember, the turtle always won the race...

Message 9422 of 9,525
Valued Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Well today hits my six month mark from last increase on my amex. My question is do I wait for 6 months and a day like the 91 days, or is it safe to hit them up at 6 month mark?
NFCU PLAT 20K NFCU CR 15K NFCU AMEX 10K PENFED PROMISE 10K PENFED GOLD 10K BBVA COMPASS 7.5K CITI SIMPLICITY 4.3K DISCOVER 2.4K AMEX BC 3K AMEX MAGNET 1K AMEX ED 1K AMEX HILTON 1K. CARECREDIT 25K AMAZON 10K WALMART 10K MACYS 25K WAYFAIR 22.5K MARVEL 4.5K AU LOWES 35K IKEA 6K
Message 9423 of 9,525
Community Leader
Super Contributor

Re: Navy Federal Thread for CLI and Additnal Cards

Lol, take an extra day to be safe MomSmiley Wink
Charter Member of the Discover " No Cli For You " Club !

Chase Never/24 Squad Leader
Team Pendread Anonymous
Message 9424 of 9,525
Valued Contributor

Re: Navy Federal Thread for CLI and Additnal Cards

Thanks AJC.

I will wait Now I am very diligent in writing down dates for CLI I have down Oct 14 but when I look at TU they pulled Oct 15 sooo I will now wait til Oct 16 just to be safe
NFCU PLAT 20K NFCU CR 15K NFCU AMEX 10K PENFED PROMISE 10K PENFED GOLD 10K BBVA COMPASS 7.5K CITI SIMPLICITY 4.3K DISCOVER 2.4K AMEX BC 3K AMEX MAGNET 1K AMEX ED 1K AMEX HILTON 1K. CARECREDIT 25K AMAZON 10K WALMART 10K MACYS 25K WAYFAIR 22.5K MARVEL 4.5K AU LOWES 35K IKEA 6K
Message 9425 of 9,525
Highlighted
Valued Contributor

Re: Navy Federal Thread for CLI and Additnal Cards

Ok rechecked dates 6 months and a day from last CLI.

 

Went for dh's first, instant approval 18k -22k, so far no HP.

 

Mine I think I might have asked for too much but thought they may counter, 10K asked for 25K, under review . Poooo I have never gotten under review in past requests. So I guess wait and seeSmiley Sad

NFCU PLAT 20K NFCU CR 15K NFCU AMEX 10K PENFED PROMISE 10K PENFED GOLD 10K BBVA COMPASS 7.5K CITI SIMPLICITY 4.3K DISCOVER 2.4K AMEX BC 3K AMEX MAGNET 1K AMEX ED 1K AMEX HILTON 1K. CARECREDIT 25K AMAZON 10K WALMART 10K MACYS 25K WAYFAIR 22.5K MARVEL 4.5K AU LOWES 35K IKEA 6K
Message 9426 of 9,525
Regular Contributor

Re: Navy Federal Thread for CLI and Additnal Cards

Thanks everyone for the encouraging replies.  I apologize; I was just frustrated because NFCU told me the only reason in the past year why I couldn't get an approval was due to the BK, and that they required 1 year after the discharge.  I know it's a black eye on the credit and I take full responsibility for it.  I'll give it a bit and try it again in another few months as hopefully by then my Discover will finally graduate.  Still don't understand why it hasn't after reading all of these posts about others getting theirs to graduate at 7 months whereas mine is nearly a year now.  Even my wife's NFCU card graduated right around the time we expected it to.

Message 9427 of 9,525
Frequent Contributor

Re: Navy Federal Thread for CLI and Additnal Cards

@TexasFamMan
We can understand and alot of us can relate to your struggles. The forums are an awesome place for people to come together and help each other out. Navy has helped alot of us out and I'm positive you'll be able to say the same. With some more time I'm sure you'll be singing thier praises.

Keep us posted on your progress!
Message 9428 of 9,525
Valued Contributor

Re: Navy Federal Thread for CLI and Additnal Cards

I've read hours upon hours of these Navy threads, and have been pretty impressed.  So impressed as a matter of fact, I bit the bullet and joined NFCU today.  After verification tomorrow, I was planning on app'ing the Flagship but now that I've read some of these posts (*chills,) may adjust course to the Cash Rewards and see where the limits fall.  Will be sure to update with info as you all did in previous posts.  I know they SP'd TU for membership but will HP on the app, which currently TU sits at 800.

 

Crossing fingers.



;
Message 9429 of 9,525
Moderator

Re: Navy Federal Thread for CLI and Additnal Cards


@Cred4All wrote:

I've read hours upon hours of these Navy threads, and have been pretty impressed.  So impressed as a matter of fact, I bit the bullet and joined NFCU today.  After verification tomorrow, I was planning on app'ing the Flagship but now that I've read some of these posts (*chills,) may adjust course to the Cash Rewards and see where the limits fall.  Will be sure to update with info as you all did in previous posts.  I know they SP'd TU for membership but will HP on the app, which currently TU sits at 800.

 

Crossing fingers.


Congrats on joining NFCU!  Smiley Very Happy

 

At the risk of jinxing it, I would honestly go for the Flagship.  With your scores and the other cards you already have I suspect you'll have no trouble at all, and the Flagship has a really good bonus right now.  Smiley Wink

 

As you've likely already read scores aren't everything with NFCU, but unless your utilization is really out-of-whack (technical term... LOL) I'll be surprised if you don't get a generous approval.

Message 9430 of 9,525