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Navy Federal Thread for CLI and Additional Cards

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Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@SilverSmith wrote:

Does Navy mail CLI decline letters? If so is Navy score listed?


Yes and not always. 



01/2019:
12/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 11141 of 11,319
Valued Member

Re: Navy Federal Thread for CLI and Additional Cards

I recently was approved for the Cash Rewards NFCU. The SL is a $1000 on Monday, November 23, 2019. Should I appy for a second card to see if I will get a better SL or just wait for the 91/3? I did message NFCU and they said that was the best that they could do at this moment in time.  I didn't want to burn another inquiry if you guys think it will be a denial. 

 

My stats are Equifax 636 TransUnion 646 Experian 643

 

Income $135,000

 

 

Message 11142 of 11,319
Established Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@rebuildstartsnow2018 wrote:

I recently was approved for the Cash Rewards NFCU. The SL is a $1000 on Monday, November 23, 2019. Should I appy for a second card to see if I will get a better SL or just wait for the 91/3? I did message NFCU and they said that was the best that they could do at this moment in time.  I didn't want to burn another inquiry if you guys think it will be a denial. 

 

My stats are Equifax 636 TransUnion 646 Experian 643

 

Income $135,000

 

 


This soon, I think it would be a denial despite income, DTI, scores etc.


Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = Very Low 400's
8-1-18 -
12-24-18 -
11-1-19 -

Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, FuelMan .8K, Citi Tractor Supply Rev .8k, Builder Pro 5.4K, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k - All No PG
Message 11143 of 11,319
Valued Member

Re: Navy Federal Thread for CLI and Additional Cards

Thats why I am asking. If it is too soon. I will gladly wait. I just have not seen much information on the board in regards to my question. I will gladly wait if need be. 

Message 11144 of 11,319
Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards

91/3 is Navy's rule for extending additional credit, be it a CLI or new card. You would burn an HP for nothing. 



01/2019:
12/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 11145 of 11,319
Highlighted
Member

Re: Navy Federal Thread for CLI and Additional Cards

So I had a secured card with NFCU that unsecured last month and PC to a Go Rewards, also applied for the cash rewards in Oct of this year.  My 91/3 will be Jan 2nd.  Now would it be better to cold app for a third card, or perhaps move the $2K limit from the Go Rewards to the Cash Rewards and close it out, then I would be applying for a second card.   Thoughts?

Message 11146 of 11,319
Valued Contributor

Re: Navy Federal Thread for CLI and Additional Cards

What is credit limit of 2nd card?

Message 11147 of 11,319
Member

Re: NFCU Third Card

It’s a Visa Signature with a limit of $14,000
Message 11148 of 11,319
Valued Contributor

Re: Navy Federal Thread for CLI and Additional Cards

I would say go for 3rd card. Go Rewards seems useful.

What would be your other card of choice, Flagship, Platinum?

Message 11149 of 11,319
Member

Re: Navy Federal Thread for CLI and Additional Cards

I was thinking the Amex, thought about the Flagship but my company pays my travel so wouldn’t be worth it for me.

Message 11150 of 11,319
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