Navy Federal Thread for CLI and Additional Cards

[addicted_to_credit]

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@CommanderCody wrote:

One year. Started with 1k, at 6 months got CLI to 3k. May have asked for to much this time, 12k, but was hoping to get countered at 8 or 9. At 91/3, went for card 2 and got 20k. Then 3 months ago went for card 3, got 20k. Just want to get the MR up as I use it a lot. 

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Well I wasn't expecting that, maybe someone better versed will chime in. The only thing I can think of if you're denied the CLI is you've hit the ceiling for now. I'd wait for a letter and see what they say. Maybe they're a little backlogged on manual reviews too. 

Sorry I wasn't much help..

[M_Smart007]

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@CommanderCody wrote:

One year. Started with 1k, at 6 months got CLI to 3k. May have asked for to much this time, 12k, but was hoping to get countered at 8 or 9. At 91/3, went for card 2 and got 20k. Then 3 months ago went for card 3, got 20k. Just want to get the MR up as I use it a lot. 

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@CommanderCody, One thing you can do .. if you want the MR up is to message NFCU and see if they will move

a set amount of CL from one of your least used card's to the MR. You ask for what amount $2K, $5K whatever you see fit?

Edited to Add: I call it a Credit Line Reallocation

[mikesonthemend]

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@CommanderCody wrote:

One year. Started with 1k, at 6 months got CLI to 3k. May have asked for to much this time, 12k, but was hoping to get countered at 8 or 9. At 91/3, went for card 2 and got 20k. Then 3 months ago went for card 3, got 20k. Just want to get the MR up as I use it a lot. 

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Isn't 3x the most they will consider?

[CommanderCody]

3x seems to be the most. On first request asked for 5k and hoping to be countered at 3 and was. Tried the same by asking for a little more than 3x this time but hoping for a 3x. Just no dice this time. 

[mikesonthemend]

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@CommanderCody wrote:

3x seems to be the most. On first request asked for 5k and hoping to be countered at 3 and was. Tried the same by asking for a little more than 3x this time but hoping for a 3x. Just no dice this time. 

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Ah. Thanks for sharing.

[CommanderCody]

Was hoping to have all 3 at 20k by the end of the year and focus on getting the APR's down just in case.

If nothing changes overnight, I'll just wait for the letter and go from there. 

Thank everyone 

[Anonymous]

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@CommanderCody wrote:

One year. Started with 1k, at 6 months got CLI to 3k. May have asked for to much this time, 12k, but was hoping to get countered at 8 or 9. At 91/3, went for card 2 and got 20k. Then 3 months ago went for card 3, got 20k. Just want to get the MR up as I use it a lot. 

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My guess would be you may have asked a bit earlier than 6 months or that you're capped for now.  The CC CLI is the only one I've personally had experience with them giving me the "counter" with, so don't think asking for more than 3x was reasoning behind it.

[Anonymous]

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@M_Smart007 wrote:

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@CommanderCody wrote:

One year. Started with 1k, at 6 months got CLI to 3k. May have asked for to much this time, 12k, but was hoping to get countered at 8 or 9. At 91/3, went for card 2 and got 20k. Then 3 months ago went for card 3, got 20k. Just want to get the MR up as I use it a lot. 

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@CommanderCody, One thing you can do .. if you want the MR up is to message NFCU and see if they will move

a set amount of CL from one of your least used card's to the MR. You ask for what amount $2K, $5K whatever you see fit?

Edited to Add: I call it a Credit Line Reallocation

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@CommanderCody 

+1 to @M_Smart007   Another option would be to change the cards around, as you can switch between the card types very easily. I have done it many times to get the card i used the most with the highest limit.  Just have to call, and easy peasy all done.    Just make sure to use up whatever points you have so that they don't go to waste. 

Reallocation is great, but it can also look like AA to other lenders, and may have to be explained if you go to a manual review

[mikesonthemend]

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@Anonymous wrote:

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@M_Smart007 wrote:

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@CommanderCody wrote:

One year. Started with 1k, at 6 months got CLI to 3k. May have asked for to much this time, 12k, but was hoping to get countered at 8 or 9. At 91/3, went for card 2 and got 20k. Then 3 months ago went for card 3, got 20k. Just want to get the MR up as I use it a lot. 

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@CommanderCody, One thing you can do .. if you want the MR up is to message NFCU and see if they will move

a set amount of CL from one of your least used card's to the MR. You ask for what amount $2K, $5K whatever you see fit?

Edited to Add: I call it a Credit Line Reallocation

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@CommanderCody 

+1 to @M_Smart007   Another option would be to change the cards around, as you can switch between the card types very easily. I have done it many times to get the card i used the most with the highest limit.  Just have to call, and easy peasy all done.    Just make sure to use up whatever points you have so that they don't go to waste. 

Reallocation is great, but it can also look like AA to other lenders, and may have to be explained if you go to a manual review

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Excellent point I never considered.

[Anonymous]

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@Anonymous wrote:

Does the 91 days start when I got the email I was approved for my card? 

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Wow so applied and got this! Largest CL to date was 6K from BB&T. Have the Cashrewards CL is 1K.

https://imgur.com/a/G7QZNaX