@Aim_High "No progress at all this month. It seems I'm stuck at 850 for three months in a row."
You are not applying enough!!
Awe my FICO9 went down from 810 to 794 
@Anonymous wrote:Awe my FICO9 went down from 810 to 794
Same, same @Anonymous , mine dropped too, by 6 points, 800 down to 794, more than 1 balance reported; finances before Fico, PIF already, but glad I went for my CLI when I did.
@Aim_High wrote:@EverForward wrote:
Updated FICO09 scores available on Navy. 😀
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Thanks for the heads up @EverForward !
Awww ... dangit. No progress at all this month.
It seems I'm stuck at 850 for three months in a row.
Aw man!! I guess better luck next time!! Haha. Nah though you're looking pretty good!
@Mr_Mojo_Risin wrote:On May 7th my Navy EQ9 was 678 and today its 737!!
I'll say it again. The members on these forums have absolutely saved my credit life. All of you in one way or another have contributed and I thank you once again!!!🤟
@M_Smart007 wrote:
@Mr_Mojo_Risin wrote:On May 7th my Navy EQ9 was 678 and today its 737!!
I'll say it again. The members on these forums have absolutely saved my credit life. All of you in one way or another have contributed and I thank you once again!!!🤟
Thank you! You are certainly a member I've taken notes from! 👍
@M_Smart007 wrote:
Hi @Anonymous , First off, my sincere condolences for your losses
I answered some things in RED and then put a some thoughts at the very bottom.
@Anonymous wrote:Hopefully I ask the question in a way that makes sense. I've searched the board a bit and haven't located the answer (and it's likely I've overlooked it...in addition to everything going on in the world and work being insane right now, I had a couple deaths in my family the last couple weeks so my brain is fried). Forgive me if I've overlooked the answer.
My FICO9 on NFCU has spiked up to 747 from 704.
I have a GoRewards Card with a limit of $16k. My last CLI was on 12/28/19.
- Can I apply for another CLI on 06/29/20 (or sooner)? 6 Months
- What is the max for GoRewards? $25K at least.
I've never applied for a CLOC.
- If I want to do that, is it safe to apply for CLOC now and then try for the CLI later on the GoRewards? Navy is pretty tight with CLOC's
- Do you need to apply for both at once? NO! can apply separately, Should be a SP for CLI on CC , HP on EQ for CLOC
- What is the CLOC max and is it like with most that you try for the max and let them counter? $15K is max for the CLOC
In a nutshell, You would most likely get more by applying for a 2nd card with Navy, You could apply now.
Then you could ask for a CLI on your 1st card at 6 Months. (06/29/20)?
Unless you absolutely need the CLOC, I would steer clear of that, The APR is not that great, you will take a EQ HP
and they are NOT handing out $15K CLOC"s like candy ..(They used to) You might get $500-$1500 on average.
I still say your best bet is to apply for a 2nd card. And you can do so now.
Good Luck!
Thank you so much on all accounts. With respect to the 2nd card, do you have a particular recommendation?
I largely use my AMEX suite of cards (Business Gold, Platinum and EveryDay) and consolidate points there.
Do most tend to lean Flagship or Platinum for a 2nd card with NFCU?
@Mr_Mojo_Risin wrote:
@Aim_High wrote:Awww ... dangit. No progress at all this month.
It seems I'm stuck at 850 for three months in a row.
Aw man!! I guess better luck next time!! Haha. Nah though you're looking pretty good!
Thank you sir! 
Yeah, "First World Problems" ... lol 
