No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Peculiar NFCU CLI story:
On 7/1 for no special reason I applied for a 12k CLI (13k -> 25k) on my Cash Rewards card.
Heard nothing in response, suggesting a denial.
Got an EQ HP.
On 7/9 I noticed that my FICO EQ 9 had updated (and improved) on the site, so applied for a CLI again.
By the evening, noticed that my 'available' credit on the card had increased by 10k, suggesting a 10k CLI.
That same evening I received a letter confirming my suspicion that the 7/1 CLI request had been turned down. Reason: excessive credit obligations.
No additional HP.
[Update] !?*%!*? They took a 2nd hard pull, just a week after the other hard pull and the same
day as my soft pull!!!
On 7/10 confirmed that I had been granted a 10k CLI to 23k.
@Anonymous wrote:So I have 3 cards with Navy. Got my platinum 9/18(cli 12/18), CLOC 12/18, Flagship 12/18, and Amex 3/19. My scores are higher than they were when I got any of them. Got all 2nd and third cards at 91/3 and cli at 91/3. No late payments on any. One card and CLOC are $0, Flagship is at 18% and Amex is at 10%. All other cards in my report are $0.
I just applied yesterday for cli for the Flagship from 15k to 25k. Got the 24 hour message. Haven't received any emails from them. No messages on the website. And no update to my limit. I did get an HP to my TU account right after the app.
Any hope I might still have a chance? Or is the fact that it has been about 30 hours and nothing happen mean it was declined? Should I call to see what is going on?
You can always check the status online...
https://dias.navyfcu.org/secure/amc.nsf
This week was my 1 year anniversary with NFCU. In July of last year, I opened an account and apped for/received a Go Rewards ($700 SL). I haven't received a CLI on it yet, although I did receive a Cash Rewards in October at 10K and an Auto Loan in Sept (11.5K). I have mostly kept a $0 balance on the Go rewards all year, and I pay more on the Auto Loan than owed every month to pay it down faster. I have sometimes carried a balance on the Cash Rewards (which is currently at 65% utilization). I was watching all the success this week, and decided to go ahead and pull the trigger. I requested a CLI to 10K for the Go rewards, and also apped for the Flagship. Got the 24 hour review for both. **Crossing Fingers and frantically checks the app every 2 minutes**
@rdrarmy wrote:
@Jago22, against your recommendation I went ahead and submitted for a CLI for $25K on my $20K Platinum card and I ended up being countered for $23.5K. It appears that they used the same HP from earlier in the day for when I requested the CLI on my Cash Rewards because as of now I haven’t been alerted of an additional HP. I know I went against your recommendation, but I decided to roll the dice on it. Overall I am very happy with the outcome. Thank you Navy Federal for trusting me!
Thanks for the DP's, I also plan on trying to use 1 HP for a CLI on two cards next month. I figured it was possible.
Bless