Navy Federal Thread for CLI and Additional Cards

[crys12065]

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@AverageJoesCredit wrote:
My understanding is a person needs to sign off on getting a credit card. Fill in information,income, etc, consent to have a credit report pulled even if its a sp. This will be interesting. Please keep us informed of any new info

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Yes that is what I thought too.  When he gets back on Monday I will dig a little deeper but he texted me the screen shot of the card in his account already and was seriously baffled how he got it.  I am wondering if he asked about getting the card and they took it as him wanting it. 

I will keep you updated though.

[crys12065]

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@Anonymous wrote:

Flagship $25,000 @ 12.24% APR

Started with a $500 CR card just 6 months ago.

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that's awesome Congrats!  

[Anonymous]

NFCU-Trifecta-Approved-Discover-CLI-2nd-Attempt-AMEX

Gotta love NFCU

I joined in november and apped in Jan for a platinum visa SL 4200 and CLOC 1500 hit my 91/3 on 4/1 and 4/7 respectively. waited until yesterday pulled the trigger on a new card and CLI's BAM NFCU Trifecta Approved...  Went from $5,700.00 to $30,000.00 in 6 months

Platinum Visa SL $4,200.00 CLI -> $10,000.00

CLOC SL $1500.00 CLI -> $5000.00

Go Rewards WMC SL $15,000.00

[Anonymous]

Under my offers I have one for the AMEX with a 3000pt SUB if spend 3k in first 90 days. Is that like a preapproval? My scores as are 710-725 and about to jump as last collection coming off anytime from PRA. I AZEO and only other baddie is a 5 year old non reporting CO. I have a Cash Rewards that I requested a CLI to 6K 3months ago but should of asked for more.

[AverageJoesCredit]

Its rare to see those in your offers. Im not sure preapprovals exist with Navy but if its a card worth it to you, you can always apply and see what happens.

[jmos]

Hello Myfico Friends. I'm alittle confused here. I see that NFCU gives us an EQ Fico 9 score but which verson of EQ FICO is actually evaluated by Navy for a credit card CLI? Please advise based on your experience. Thanks.

[crys12065]

They do use FICO 9 for CLI increases

[jmos]

Thank for the reply crys12065. Is this score the EQ Bankcard Fico 9 version? The reason I asked the original quaestion is because I've seen a post where one of our members indicated that NFCU may be using some older fico version like EQ Fico score 5. Thank again for your reply. 

[crys12065]

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@jmos wrote:

Thank for the reply crys12065. Is this score the EQ Bankcard Fico 9 version? The reason I asked the original quaestion is because I've seen a post where one of our members indicated that NFCU may be using some older fico version like EQ Fico score 5. Thank again for your reply. 

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For me thay have always used EQ Fico 9, not sure if it's the bankcard version or not though, there are 2 Fico 9's and mine are a few points apart.   I haven't heard of them using Fico 5 but that's not to say it hasn't happened.  

[Shooting-For-800]

They tell me the use their own internal score from 100-450.