Navy Federal Thread for CLI and Additional Cards

[pt91978]

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@Anonymous wrote:

@pt91978 As a matter fact you get extra points for your credit based insurance score all the way up to having 33% of your cards being from credit unions. But they take points for retail cards.

so as far as insurance scores go, your credit union cards help you and as far as fico goes it looks at the credit unions and bankcard the same unless they're coded funny and that's only been a few credit unions maybe even on certain versions only. But the 76 card hurts you on your insurance scores

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@Anonymous   What do you mean by insurance scores?  R u talking about home owners/renters and/or auto insurance scores?  Thanks.

[Anonymous]

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@pt91978 wrote:

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@Anonymous wrote:

@pt91978 As a matter fact you get extra points for your credit based insurance score all the way up to having 33% of your cards being from credit unions. But they take points for retail cards.

so as far as insurance scores go, your credit union cards help you and as far as fico goes it looks at the credit unions and bankcard the same unless they're coded funny and that's only been a few credit unions maybe even on certain versions only. But the 76 card hurts you on your insurance scores

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@Anonymous   What do you mean by insurance scores?  R u talking about home owners/renters and/or auto insurance scores?  Thanks.

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@pt91978 yes credit-based insurance scores they are sourced from Equifax and TransUnion's data by LEXIS-NEXIS and Verisk respectively to generate scores, I believe.. don't quote me on Verisk, though, but somebody makes them from TransUnion I think that's who it is. 

but back on topic I got a customer satisfaction survey from Navy and it asked several questions and one of the things I suggested was a 5% rotator. 😉

[Anonymous]

On which product, or wre you suggesting a new one?

[Anonymous]

Suggesting a new one since they were asking for feedback. I have a Plat, answered several questions and I truthfully said I love my platinum because it has a low APR, so if I choose to carry a balance that’s my card to do so.

It also asked which other CCCs I have CCs with and which card gets most of my spend and why and any feedback yada yada, and you know I let them know it would be nice to have a rotating card for 5% that they would get a lot more swipes.

But I truthfully stated myself and almost everyone loves Navy. So totally positive review with 5% rotator suggestion.

[pt91978]

@Anonymous   So my 91/3 on the plat is coming in a month.  What do you suggest I should do to yield the highest possible CLI?   I've put about 1k spent on it the first month, and carry a balance the last 2 months since it has 0% intro apr + I'm doing AZEO.  It hasn't seen any new swipes since, b/c all my swipes r coming from the CR and MR. Should I sacrifice the rewards for this month and put all my swipes on the plat ?  Or they could see the swipes from CR and MR is sufficient enough to help me yield the highest possible CLI for the plat?  Sorry for the long question.  But thanks a bunch in advance.  

[audioman00]

Hit the CLI button on my flagship. $25k > $29k approved. Took 36 hours for available balance to update. No POI. EQ = 823. SP by website. Have had the card for 5 months. 

[pt91978]

Congrats @audioman00 .   Wow, just 5 months huh?  I assume you didn't request a CLI at 91/3?

[audioman00]

@pt91978 I did not 91/3. This is my first CLI request on the card. 

[Anonymous]

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@pt91978 wrote:

@Anonymous   So my 91/3 on the plat is coming in a month.  What do you suggest I should do to yield the highest possible CLI?   I've put about 1k spent on it the first month, and carry a balance the last 2 months since it has 0% intro apr + I'm doing AZEO.  It hasn't seen any new swipes since, b/c all my swipes r coming from the CR and MR. Should I sacrifice the rewards for this month and put all my swipes on the plat ?  Or they could see the swipes from CR and MR is sufficient enough to help me yield the highest possible CLI for the plat?  Sorry for the long question.  But thanks a bunch in advance.  

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@pt91978 Make sure its 3 full statements. IMHO, I'd run some thru, but I wouldn't sacrifice all. Like you said, I think they'll take many things into account, including your other CCs with them. Jmho. 

[Anonymous]

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@Anonymous wrote:
I let them know it would be nice to have a rotating card for 5% that they would get a lot more swipes.

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That would really be cool if they had one of those! But with their 3 card limit it would be too difficult to pick which 3! 

I think I would do 5% rotator, Flagship, Platinum as my dream lineup if that were the case. Tough!