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Navy Federal Thread for CLI and Additional Cards

tag
Heatt99
Frequent Contributor

Re: Navy Federal Thread for CLI and Additional Cards

I added a member, but it was the other way around, they didn't have a CC yet. An AU does not have access to one's personal account, unless they are a joint user. AU only have use of said card with set limit dependent on primary permission.

All my AU cards are in my SD. Navy allows 3 main cards and 1 AU card total.

 

Message 12161 of 17,187
Anonymous
Not applicable

Re: Navy Federal Thread for CLI and Additional Cards


@Heatt99 wrote:

I added a member, but it was the other way around, they didn't have a CC yet. An AU does not have access to one's personal account, unless they are a joint user. AU only have use of said card with set limit dependent on primary permission.

All my AU cards are in my SD. Navy allows 3 main cards and 1 AU card total.

 


Just wanting to make sure we're on the same page...

 

So both of you had NFCU accounts and did you add them via their access number? I'm familiar with the whole AU thing, just not sure if doing it that way did anything funky or was just a short cut to filling out the form.

Message 12162 of 17,187
AverageJoesCredit
Legendary Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@Anonymous wrote:

@Anonymous wrote:

Is the "do not meet our lending critea" message still an indication of possible too early?  Been helping my mom out with her credit and today marked 3/91.  Application was met with that and no HP.  The CLI request went to review.

 

Recall reading that was the case, but also found posts indicating a message clearly stating "too early".  Did find one that mentioned they believed it seemed to be down to the minute for the 3/91 and kind of hoping that to be the case.  Thinking I may have jumped the gun and done it too early in the day or possibly a day early since she apped for the first one technically late night our time, but early morning EST.  So technically I had her app for the 2nd one about 20 hours too early if that be the case.


So, update.  I reapplied for her tonight/this morning and minimized that browser window, while focusing on her email account to see if any notifications went off.  About 5s later, WH comes through with an inquiry.  I swap over, still spinning.  At this point I'm thinking no soup for her!  Hurry and minimize it again.  Wait some more and maximize it....


 8000plat.jpg

(wish I would have taken a SS for the post before I let the tab time out.  Shall wait and see if an email is sent to her about her approval and if so, I'll get all fancy with a SS.)

I tried the CLI again, but got 24 hour.  Don't think I should have done that, but she got no kind of communique that the CLI was declined.  Typically I don't neither.  I either contact them and inquire or wait for the letter.  Out of all of mine, think I've received 2 notifications for denials out of like 20ish and only been notified about 2 of my 4 approvals.  So why I kinda went ahead with the CLI request again.  

So yeah, was too early doing it.  Can tinfoil hat on whether it's "91 days to the hour" as I've read one poster suggest or because of the time of day I did the first one, being today here and tomorrow there.  Seems like it was the former though to me.  


I love the look of the Plat MCSmiley Happy Ive tried for it but cant get another. Last time i looked where to choose MC but couldnt find it. Congrats to DWSmiley Happy

Message 12163 of 17,187
Heatt99
Frequent Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Yes, they have Navy accounts as well. Just a shortcut. I did mine the old fashion way--phone call with name & Social. 24/7 Navy, Full Speed Ahead.

Message 12164 of 17,187
M_Smart007
Legendary Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@Anonymous wrote:

@Anonymous wrote:

Is the "do not meet our lending critea" message still an indication of possible too early?  Been helping my mom out with her credit and today marked 3/91.  Application was met with that and no HP.  The CLI request went to review.

 

Recall reading that was the case, but also found posts indicating a message clearly stating "too early".  Did find one that mentioned they believed it seemed to be down to the minute for the 3/91 and kind of hoping that to be the case.  Thinking I may have jumped the gun and done it too early in the day or possibly a day early since she apped for the first one technically late night our time, but early morning EST.  So technically I had her app for the 2nd one about 20 hours too early if that be the case.


So, update.  I reapplied for her tonight/this morning and minimized that browser window, while focusing on her email account to see if any notifications went off.  About 5s later, WH comes through with an inquiry.  I swap over, still spinning.  At this point I'm thinking no soup for her!  Hurry and minimize it again.  Wait some more and maximize it....


 8000plat.jpg

(wish I would have taken a SS for the post before I let the tab time out.  Shall wait and see if an email is sent to her about her approval and if so, I'll get all fancy with a SS.)

I tried the CLI again, but got 24 hour.  Don't think I should have done that, but she got no kind of communique that the CLI was declined.  Typically I don't neither.  I either contact them and inquire or wait for the letter.  Out of all of mine, think I've received 2 notifications for denials out of like 20ish and only been notified about 2 of my 4 approvals.  So why I kinda went ahead with the CLI request again.  

So yeah, was too early doing it.  Can tinfoil hat on whether it's "91 days to the hour" as I've read one poster suggest or because of the time of day I did the first one, being today here and tomorrow there.  Seems like it was the former though to me.  


 

Congratulations!

 

 

Message 12165 of 17,187
M_Smart007
Legendary Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@AverageJoesCredit wrote:


I love the look of the Plat MCSmiley Happy Ive tried for it but cant get another. Last time i looked where to choose MC but couldnt find it. Congrats to DWSmiley Happy


The MC .. I think it is only when you are applying. You could probably call on the Landline and get your card PC'd to MC.

 

"For everything else" Smiley Wink

Message 12166 of 17,187
Anonymous
Not applicable

Re: Navy Federal Thread for CLI and Additional Cards


@Heatt99 wrote:

Yes, they have Navy accounts as well. Just a shortcut. I did mine the old fashion way--phone call with name & Social. 24/7 Navy, Full Speed Ahead.


Ok, thanks!  Could have totally seen it adding like some sort of snap shot to their account, especially if you limited their spend so they could keep track of it.  Which would be cool, but not at the same time.  So wasn't sure.  

Message 12167 of 17,187
Anonymous
Not applicable

Re: Navy Federal Thread for CLI and Additional Cards


@AverageJoesCredit wrote:

@Anonymous wrote:

@Anonymous wrote:

Is the "do not meet our lending critea" message still an indication of possible too early?  Been helping my mom out with her credit and today marked 3/91.  Application was met with that and no HP.  The CLI request went to review.

 

Recall reading that was the case, but also found posts indicating a message clearly stating "too early".  Did find one that mentioned they believed it seemed to be down to the minute for the 3/91 and kind of hoping that to be the case.  Thinking I may have jumped the gun and done it too early in the day or possibly a day early since she apped for the first one technically late night our time, but early morning EST.  So technically I had her app for the 2nd one about 20 hours too early if that be the case.


So, update.  I reapplied for her tonight/this morning and minimized that browser window, while focusing on her email account to see if any notifications went off.  About 5s later, WH comes through with an inquiry.  I swap over, still spinning.  At this point I'm thinking no soup for her!  Hurry and minimize it again.  Wait some more and maximize it....


 8000plat.jpg

(wish I would have taken a SS for the post before I let the tab time out.  Shall wait and see if an email is sent to her about her approval and if so, I'll get all fancy with a SS.)

I tried the CLI again, but got 24 hour.  Don't think I should have done that, but she got no kind of communique that the CLI was declined.  Typically I don't neither.  I either contact them and inquire or wait for the letter.  Out of all of mine, think I've received 2 notifications for denials out of like 20ish and only been notified about 2 of my 4 approvals.  So why I kinda went ahead with the CLI request again.  

So yeah, was too early doing it.  Can tinfoil hat on whether it's "91 days to the hour" as I've read one poster suggest or because of the time of day I did the first one, being today here and tomorrow there.  Seems like it was the former though to me.  


I love the look of the Plat MCSmiley Happy Ive tried for it but cant get another. Last time i looked where to choose MC but couldnt find it. Congrats to DWSmiley Happy


It's on the main page (at least now) in the top right hand corner.

 

DM*   Robot surprised

Message 12168 of 17,187
Anonymous
Not applicable

Re: Navy Federal Thread for CLI and Additional Cards


@M_Smart007 wrote:

@AverageJoesCredit wrote:


I love the look of the Plat MCSmiley Happy Ive tried for it but cant get another. Last time i looked where to choose MC but couldnt find it. Congrats to DWSmiley Happy


The MC .. I think it is only when you are applying. You could probably call on the Landline and get your card PC'd to MC.

 

"For everything else" Smiley Wink


That took a double looksy to finally sink in.  Robot LOL

Message 12169 of 17,187
Traveler101
Established Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@M_Smart007 wrote:

 

WooT! Approved Yesterday, Had card Expidited Delivery, Will be here this morning!

 Now that is lightning.gif  FAST!!!

 


I didnt know exp did gamd, guaranteed am deliveries. I thought only our division did it. Great to know. Maybe I can get my next one delivered to our terminal for free, lol.

Message 12170 of 17,187
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