Navy Federal Thread for CLI and Additional Cards

[CreditInspired]

Waiting one more day wouldn't hurt just in case your count is off. 

[Anonymous]

So I wound up requesting cli on both my gorewards and cash rewards. Only got approved on the cash rewards. I figured as the gorewards still has an 80% bal and did have a late payment last year. My cash rewards went from 1700 to 5100. Now I'm thinking of just taking one more hp to either get another navy card or possibly try at chase as I'd like to start a relationship with them. I'm also looking at getting a new car relatively soon but don't know if I should do a new card first or do the car loan first. Decisions, decisions

[CreditInspired]

Hi and welcome
IDK but 80%UT on any card is a no-no. So I think you’d waste a HP, maybe 2, on applying for a Chase CC. And, IMHO, you should get the UT down before applying for another NFCU card.

[Anonymous]

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@Anonymous wrote:

My significant other got her CashRewards Visa on April 25th so today is 91 days after and has had 3 statements.  Thinking about pulling the trigger tonight or tomorrow.  Her current limit is $500 and has better scores than me.

My NFCU journey is ahead of hers so I got my first card in March and in early June my $500 card I increased to $1,500 and got approved for a more Rewards Amex for $20k.  So hoping for similar results.

Should we wait until tomorrow morning?

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OK we did it this morning.  CLI on her CashRewards from $500 to $1,500.  New More Rewards Amex for $10k.

[CreditInspired]

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@Anonymous wrote:

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@Anonymous wrote:

My significant other got her CashRewards Visa on April 25th so today is 91 days after and has had 3 statements.  Thinking about pulling the trigger tonight or tomorrow.  Her current limit is $500 and has better scores than me.

My NFCU journey is ahead of hers so I got my first card in March and in early June my $500 card I increased to $1,500 and got approved for a more Rewards Amex for $20k.  So hoping for similar results.

Should we wait until tomorrow morning?

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OK we did it this morning.  CLI on her CashRewards from $500 to $1,500.  New More Rewards Amex for $10k.

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WooHoo. A huge congratulations to your SO on the nice CLI and SL on new card.

[Bulldogs72]

I had a  couple questions for you guys. I was approved for a cash rewards card with a 15k starting limits 91 days ago. Now thats been 91 days should I ask for a cli, apply for a new card, or both? I want to apply for the flagship or the platinum, not sure which. thanks for  the help everyone. 

[Anonymous]

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@Bulldogs72 wrote:

I had a  couple questions for you guys. I was approved for a cash rewards card with a 15k starting limits 91 days ago. Now thats been 91 days should I ask for a cli, apply for a new card, or both? I want to apply for the flagship or the platinum, not sure which. thanks for  the help everyone. 

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Ask for CLI first, wait and see if it's approved (if your available credit isn't reflecting it in 2 days, it was denied), then submit new card app. 

If you don't want for the CLI to clear the review, you can get instantly approved for a new card at your max internal limit and thus denied a CLI. 

[Shooting-For-800]

Anyone know what CL NFCU starts requiring a POI?

I want to build with them but don't really want to deal with POI nonsense.

What about when combining credit cards?  

Flagship is all I need but I want to build a high CL as my main card.

Gotta start making plans for 91 days from now.  

Thanks!

[Anonymous]

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@Shooting-For-800 wrote:

Anyone know what CL NFCU starts requiring a POI?

I want to build with them but don't really want to deal with POI nonsense.

What about when combining credit cards?  

Flagship is all I need but I want to build a high CL as my main card.

Gotta start making plans for 91 days from now.  

Thanks!

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NFCU asks for POI beyond $25K usually but not always. 

[Shooting-For-800]

Can one have two Flagships?