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Navy Federal Thread for CLI and Additional Cards

Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards

I don’t know why that rep pushed you to apply for a second card. NFCU is next to impossible to get a second card with until you have passed that 91/3 mark. This is a well-known rule. They’ll take an app any time but they’ll HP you and most likely deny it. If you got off without an HP I’m impressed!

 

Keep us posted on the recon but prepare for the denial to stick would be my recommendation. 



01/2019:
06/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.

P.S. I’m a dude, yo!
Message 9791 of 13,358
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Established Member

Re: Navy Federal Thread for CLI and Additional Cards


@Saeren wrote:

I don’t know why that rep pushed you to apply for a second card. NFCU is next to impossible to get a second card with until you have passed that 91/3 mark. This is a well-known rule. They’ll take an app any time but they’ll HP you and most likely deny it. If you got off without an HP I’m impressed!

 

Keep us posted on the recon but prepare for the denial to stick would be my recommendation. 


I wouldn't say pushed, but she made me feel like I was going to be approved and she assured me 2nd card app since it was just done yesterday they used the same app so it would only be a soft pull and not a hard pull!! A CLOC would be for sure a HP. so thats what I sent and hopefully they will just xfer a 1000 from the cash rewards and use it to let me get a platinum. ive read alot of success stories with that strategy. so we shall see. so I should for sure wait 181/6 right for a 2nd card and cli or try at 91/3. i only have 3 inquiries on my credit so im still good and im disputing 2 lol

Message 9792 of 13,358
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Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards

I don’t hesitate to throw away an inquiry. My feeling is that if a card has use for you beyond utilization padding, it’s worth the inquiry. 

I have 8 on EX, 7 on EQ, and 9 on TU. Doesn’t bother me in the least. 



01/2019:
06/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.

P.S. I’m a dude, yo!
Message 9793 of 13,358
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Community Leader
Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@Saeren wrote:

I don’t hesitate to throw away an inquiry. My feeling is that if a card has use for you beyond utilization padding, it’s worth the inquiry. 

I have 8 on EX, 7 on EQ, and 9 on TU. Doesn’t bother me in the least. 


+1 to that.    at one point i was in the triple digits (combined).   And i know YMMV, every profile is different, i have seen plenty of members on here with what some call HIGH inq's but clean profile otherwise and still get approved. Some with high SL and good APR.  








Message 9794 of 13,358
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Established Member

Re: Navy Federal Thread for CLI and Additional Cards

I’m starting to see inquiries are on the low scale when it comes to your credit. Only drops your credit by a very small amount. But man that one point could be from 799 to 800. I need all my points 🤣
Message 9795 of 13,358
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Re: Navy Federal Thread for CLI and Additional Cards

I’m new to the forums and in the process of rebuilding my credit . I have A great person working with me and coupled with the advice , testimonials, and encouragement I have seen this community offer, I feel like I can do Anything lol .

My question is I have reaches my 91/3 mark. I have A go rewards but only got a 700.00 starting limit. I have used extensively and always pay in full before due date. My scores range from 630 Tu , 620 Equifax and 600 Experian ... my Tu 9 is 663 🤷🏽‍♂️ .
Navy Fed has been great to me so far . They even preapproved me for 25,000 to get my new car.
My questions are : Do you think I should apply for a second card now or wait longer ?
If I apply for the second card now , Should I pay my Current balance down before I apply for A second card or that won’t have much say in the deciding factor ?

Thank you for your help
Message 9796 of 13,358
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Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@creditsucess19 wrote:
I’m starting to see inquiries are on the low scale when it comes to your credit. Only drops your credit by a very small amount. But man that one point could be from 799 to 800. I need all my points 🤣

If you stress about HPs, NFCU isn’t the lender for you. Seriously I’ve got 5 since September and I’m going to be taking a 6th for either a CLI or a third card soon. 



01/2019:
06/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.

P.S. I’m a dude, yo!
Message 9797 of 13,358
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Established Member

Re: Navy Federal Thread for CLI and Additional Cards

Not stressing. If I want to push the issue of higher limits then I have to take the HP. I get it. I was just messing around. In that case I guess i will go for the 91/3. Least all the inquiries are from navy.
Message 9798 of 13,358
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Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@Dminicandreem wrote:
I’m new to the forums and in the process of rebuilding my credit . I have A great person working with me and coupled with the advice , testimonials, and encouragement I have seen this community offer, I feel like I can do Anything lol .

My question is I have reaches my 91/3 mark. I have A go rewards but only got a 700.00 starting limit. I have used extensively and always pay in full before due date. My scores range from 630 Tu , 620 Equifax and 600 Experian ... my Tu 9 is 663 🤷🏽‍♂️ .
Navy Fed has been great to me so far . They even preapproved me for 25,000 to get my new car.
My questions are : Do you think I should apply for a second card now or wait longer ?
If I apply for the second card now , Should I pay my Current balance down before I apply for A second card or that won’t have much say in the deciding factor ?

Thank you for your help

Pay your card off first. I would lean more towards a second card being denied if your TU 9 wasn’t over 650 but given that stat, assuming your DTI is low, you probably have a 50/50 shot right now. If you can handle the possibly of a denial, go for it. If you can’t, I would wait until 181 days when they have had a chance to really get to know you and hopefully your scores have gone up some more. 



01/2019:
06/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.

P.S. I’m a dude, yo!
Message 9799 of 13,358
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Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@creditsucess19 wrote:
Not stressing. If I want to push the issue of higher limits then I have to take the HP. I get it. I was just messing around. In that case I guess i will go for the 91/3. Least all the inquiries are from navy.

We joke around here that NFCU would pull our credit reports just for chatting about them but with how generous they are, it’s not really a big deal.



01/2019:
06/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.

P.S. I’m a dude, yo!
Message 9800 of 13,358
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