Navy Federal Thread for CLI and Additional Cards

[Madyun1982]

I was approved for the Cash rewards April 30th of this year.. Can I request a CLI now? Or should I wait until Sept or October?
Thank you in advance

[Anonymous]

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@Madyun1982 wrote:
I was approved for the Cash rewards April 30th of this year.. Can I request a CLI now? Or should I wait until Sept or October?
Thank you in advance

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July 30th was day 91 so as long as you have cut 3 statements, you’re good for the request. 

Keep in mind that CLI requests at 91/3 have been hit or miss lately. If approved for a small CLI, you can’t ask again for 6 months. 

[Anonymous]

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@Madyun1982 wrote:
I was approved for the Cash rewards April 30th of this year.. Can I request a CLI now? Or should I wait until Sept or October?
Thank you in advance

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YMMV- I requested a CLI and got what I asked for at 91 days.  Others have done similar and were denied.  Navy will likely pull EQ for your CLI request. 

Good Luck!

[Madyun1982]

Thank You all.. I think I'll wait a lil while longer before I ask.. I'm so afraid of rejection.. Lol

[Traveler101]

First time poster here, but have been reading and studying a long time. fico9 sitting at 705. a new car loan and cc from penfed being my most recent app, before I applied at navy last night. my avg age of accounts 1year 11 months. oldest account 3 years 9 months. 6 open accounts. and a 6 year old bk, and 1 30 day late 6 years ago.

jumped out of the garden to reluctantly hit the submit button. 30 second approval, 8.24 and 25k limit. NAVY DOES ROCK! thank all of you for your insight and posts.

[DJRobbieD]

Looking for some advice... last month I became a NFCU member and immediately applied for the Platinum card. Didn't get instant approval, but got approval email later that day.  I got their best rate (8.24%), but a SL of only $10k, which was lower than I expected for a clean TU report (no lates, no derogs), a FICO8 of 720, and income of $330k. Here were my TU DPs at the time:

22 total accounts (10 open, 12 closed)

9.0 AAoA

35%ish Util

1 HP

I'm thinking the Util rate is what handcuffed me as I had a big BT promo balance that I hadn't paid off yet.  I've since paid off that BT promo balance and opened 2 other cards with high SL, so my Util is down to 15%ish, though my AAoA is down to 7.0 years.

What path do you recommend I take for a CLI on my NFCU Platinum?  Submit for one at the 91/3 mark, reduce my Util even further, and/or garden for a while to get my AAoA back up?

[CreditInspired]

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@DJRobbieD wrote:

Looking for some advice... last month I became a NFCU member and immediately applied for the Platinum card. Didn't get instant approval, but got approval email later that day.  I got their best rate (8.24%), but a SL of only $10k, which was lower than I expected for a clean TU report (no lates, no derogs), a FICO8 of 720, and income of $330k. Here were my TU DPs at the time:

22 total accounts (10 open, 12 closed)

9.0 AAoA

35%ish Util

1 HP

I'm thinking the Util rate is what handcuffed me as I had a big BT promo balance that I hadn't paid off yet.  I've since paid off that BT promo balance and opened 2 other cards with high SL, so my Util is down to 15%ish, though my AAoA is down to 7.0 years.

What path do you recommend I take for a CLI on my NFCU Platinum?  Submit for one at the 91/3 mark, reduce my Util even further, and/or garden for a while to get my AAoA back up?

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Congratulations on your $10K approval. I think you may be right that the UT may have hampered the SL although it still is pretty good. If it were me, I would wait for the 91-day/3 statement cut.

Also, a huge congratulations on snagging the Apple card.

[Anonymous]

My 18 yr old daughter will be leaving soon to return to college for her sophomore year. So yesterday (8/9) we drove the 25 miles to the NFCU branch in Gurnee, IL to sign her up for membership.  Before we left we used a CCT trial to pull her FICO scores which were Experian 697, Equifax 699, and TransUnion 704.  She had been an authorized user on my Amex Gold and Capital One cards so she had an average age of accounts of 4 years. Her income is $27,000 ($19K per year scholarship and $8K part-time, on-campus job).

It was my first time going to an NFCU branch and it was a very pleasant experience.  My DD was immediately signed up for membership, then since she knew her scores, she opted to apply for her first credit card.  She chose the Cash Rewards card and was approved with a $1,000 starting credit limit.

On Monday she hopes to apply for an NFCU auto loan; I'll co-sign if I absolutely need to but she wants to do it on her own.

[Anonymous]

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@Anonymous wrote:

My 18 yr old daughter will be leaving soon to return to college for her sophomore year. So yesterday (8/9) we drove the 25 miles to the NFCU branch in Gurnee, IL to sign her up for membership in NFCU.  Before we left we used a CCT trial to pull her FICO scores which were Experian 697, Equifax 699, and TransUnion 704.  She had been an authorized user on my Amex Gold and Capital One cards so she had an average age of accounts of 4 years.

It was my first time going to an NFCU branch and it was a very pleasant experience.  My DD was immediately signed up for membership, then since she knew her scores, she opted to apply for her first credit card.  She chose the Cash Rewards card and was approved with a $1,000 starting credit limit.

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Nice! Your daughter is off to a great start!

[Anonymous]

Is NFCU now pulling TU for CLI request?

Requested CLI on my Amex More Rewards and immediately got notification from CK of a hard inquiry from NFCU?

If so are they pulling TU8 or TU9?

Forgot to mention my CLI request is under review.