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Navy Federal Thread for CLI and Additional Cards

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Mega Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@chunkyfrippery wrote:

@M_Smart007 wrote:

@chunkyfrippery wrote:

@addicted_to_credit wrote:

@chunkyfrippery wrote:

hey guys! so can i apply for second card at 6 month mark or do i have to wait 6 months from my CLI??


Once you hit your 91/3 for your first card you can app for 2nd card and your cli at the 91/3 of your 2nd card. You can app for your 3rd card and cli for the 2nd card and at the 91/3 of your last card you should be in range for a cli on your first card again... Hope that helps!


kind of confused. so i got card on 1/19 applied for CLI in may and got it. was denied second card after 4 statements. users on here told me to wait for 6 months. so its 6 months from my first approval on 1/29 correct?


@chunkyfrippery, What was they reason they denied you for a 2nd card?


I had got the message you dont meet lending critera. granted i just got a 3x CLI increase. looks like i messed up by applying for a cli first smh. so im just gardening until the 6 month mark which is about two months away then i will try again


Ya, I applied for the Flagship, then asked for a CLI on the Platinum .. was granted $8K CLi on the platinum,

right after the Flagship approval. It was $30K total in one day.Smiley Happy

Message 13151 of 13,230
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New Member

Re: Navy Federal Thread for CLI and Additional Cards

I've been lurking and reading this forum for so long and you have all been very informative.

I started at NCFU with a secured $500 nCash after a bankruptcy, which they converted to a traditional rewards card. Prior to a European trip I asked if I could convert this to a Cash Rewards card which they did over the phone with a CLI

 

Boredom led me to request a CLI on the Cash Rewards and apply for a second card (Platinum). So I currently stand at:

Cash Rewards ($3,000)

Platinum ($4,300)

 

My goal is to eventually try for the Flagship. Obviously I am going to wait six months before I do anything, but should I:

A. apply for a CLI on Both prior to applying for Flagship

B. just apply for Flagship

C. ask them to combine or upgrade for Flagship

 

I only wish I would have asked for the max CLI when I did it.

 

Thank you everyone.

 

 

Message 13152 of 13,230
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Established Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@bustout wrote:

I've been lurking and reading this forum for so long and you have all been very informative.

I started at NCFU with a secured $500 nCash after a bankruptcy, which they converted to a traditional rewards card. Prior to a European trip I asked if I could convert this to a Cash Rewards card which they did over the phone with a CLI

 

Boredom led me to request a CLI on the Cash Rewards and apply for a second card (Platinum). So I currently stand at:

Cash Rewards ($3,000)

Platinum ($4,300)

 

My goal is to eventually try for the Flagship. Obviously I am going to wait six months before I do anything, but should I:

A. apply for a CLI on Both prior to applying for Flagship

B. just apply for Flagship

C. ask them to combine or upgrade for Flagship

 

I only wish I would have asked for the max CLI when I did it.

 

Thank you everyone.

 

 


Your limits are still low.  Flagship has a minimum SL of 5k.  If getting Flagship is your primary concern, in 6 months I would app for it before doing any CLIs so that you don't max out what they're willing to offer you before the card app.  I'd go for CLIs after you get the Flagship.  Right now they are SPs and so worst case you get declined and try again later. 

 

Welcome to the forums! 

 

ETA: I would wait to apply for Flagship directly until the $500 SUB is available.  Seems silly to pass it up.









Message 13153 of 13,230
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Mega Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@bustout wrote:

I've been lurking and reading this forum for so long and you have all been very informative.

I started at NCFU with a secured $500 nCash after a bankruptcy, which they converted to a traditional rewards card. Prior to a European trip I asked if I could convert this to a Cash Rewards card which they did over the phone with a CLI

 

Boredom led me to request a CLI on the Cash Rewards and apply for a second card (Platinum). So I currently stand at:

Cash Rewards ($3,000)

Platinum ($4,300)

 

My goal is to eventually try for the Flagship. Obviously I am going to wait six months before I do anything, but should I:

A. apply for a CLI on Both prior to applying for Flagship

B. just apply for Flagship

C. ask them to combine or upgrade for Flagship

 

I only wish I would have asked for the max CLI when I did it.

 

Thank you everyone.

 

 


Hi @bustout and welcome to the forumsSmiley Happy

 

How I did it, and it may or may not be the right way, but it worked ,, none the less!

1st app was Cash Rewards May 2019 , then after 91/3 App'd for Platinum,

after that 91/3 app'd for Flagship (Instant approval) asked for CLI on same day,

and got an $8K on Platinum add to the $22K on Flagship ...$30K in one day!

 

But I realize I am kind of an outlier, in the sense, not everyone gets that much.

Hope this helps!

 

Message 13154 of 13,230
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Mega Contributor

Re: Navy Federal Thread for CLI and Additional Cards

"ETA: I would wait to apply for Flagship directly until the $500 SUB is available. Seems silly to pass it up."

 

And I forgot to add what @recoveringfrombk7 said^^^^^^^^^^^^^

 

That $500 SUB was a super bonus!!!

Message 13155 of 13,230
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New Member

Re: Navy Federal Thread for CLI and Additional Cards

@M_Smart007 (combining both of my favorite secret agents btw),

 

I only wish I found your posts when I first started at NFCU.

 

If things continue as they are I may do exactly as you say with much lower expectations. I don't care if the Flagship starts at 5K.

Considering you are a credit "heavyweight" (Sorry about that, Chief), the only thing I may adjust is the 91/3 to 180/6. Maybe the extra time will help.

 

Where should I have the utlization of each card when I request the new card? 30%, 10% or if it is too low will they feel I don't need additional credit? I love NFCU and have CLOC and have never been late.

 

Thank you

 

 

Message 13156 of 13,230
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Mega Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@bustout wrote:

@M_Smart007 (combining both of my favorite secret agents btw),

 

I only wish I found your posts when I first started at NFCU.

 

If things continue as they are I may do exactly as you say with much lower expectations. I don't care if the Flagship starts at 5K.

Considering you are a credit "heavyweight" (Sorry about that, Chief), the only thing I may adjust is the 91/3 to 180/6. Maybe the extra time will help.

 

Where should I have the utlization of each card when I request the new card? 30%, 10% or if it is too low will they feel I don't need additional credit? I love NFCU and have CLOC and have never been late.

 

Thank you

 

 


@bustout, "@M_Smart007 (combining both of my favorite secret agents btw),"

Haha.. guess you could call me a "Double Agent?"Smiley Very Happy  or 1/2 Smart?Smiley LOL

 

"I only wish I found your posts when I first started at NFCU."

I found NFCU through myFICO, only wish I found it years ago! .(that's all water under the bridge)

 

Considering you are a credit "heavyweight" (Sorry about that, Chief)

You have No idea how close that statement is "overweight" and they call me "Chief Bottle washer"Smiley Tongue

 

"Where should I have the utlization of each card when I request the new card? 30%, 10% or if it is too low will they feel I don't need additional credit?"

I am going to summons; @AverageJoesCredit , @Jago22  & @Saeren for their take on this particular question?

(others may input as well)

 

I feel the big thing that NFCU focuses on is Internal Score and "Debt to Income" ...

So you don't want to have a lot of debt on your TU report when apping. ..IMHO

 

I hope this helps you to "bust out" and Rock with NavySmiley Wink

 

Take care & Love your sense of humor.

 

 

Message 13157 of 13,230
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Mega Contributor

Re: Navy Federal Thread for CLI and Additional Cards

@bustout  I forgot, Welcome to The forumsSmiley Happy

Message 13158 of 13,230
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Established Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@bustout wrote:

@M_Smart007 (combining both of my favorite secret agents btw),

 

I only wish I found your posts when I first started at NFCU.

 

If things continue as they are I may do exactly as you say with much lower expectations. I don't care if the Flagship starts at 5K.

Considering you are a credit "heavyweight" (Sorry about that, Chief), the only thing I may adjust is the 91/3 to 180/6. Maybe the extra time will help.

 

Where should I have the utlization of each card when I request the new card? 30%, 10% or if it is too low will they feel I don't need additional credit? I love NFCU and have CLOC and have never been late.

 

Thank you

 

 


It does not matter if you care if the Flagship starts out at 5k.  That is the minimum you can get for it.  If you cannot get approved at 5k, you will not be approved for the card.  This is why in your position, if the card is important to you, you should app the card prior to requesting any CLIs.









Message 13159 of 13,230
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New Member

Re: Navy Federal Thread for CLI and Additional Cards

What I meant was I am not looking for a high limit, only to first obtain the card for the benefits.

 

I have $5k+ limits on each of 2 CapOne cards and a Discover card, although all of them did start out under 5K. They were automatically raised without a CLI request. If NFCU won't approve me in 6 months I will request CLI on the other 2 NFCU cards and try again and 90/3 to reapply. Currently I ony have two HP's on my report over the 12 months. I know requesting the new card will be a HP but the CLI request is SP. 

 

I value your advice noting your username. Thanks

Message 13160 of 13,230
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