Navy Federal Thread for CLI and Additional Cards

[Anonymous]

It's probably an oddball on my end what is funny is a couple months back I asked for cli on the plat and got whacked for a poi request, that was asking for 4 k in the past 24 hours they have extended me another 6k no poi, not complaining lol

[Mr_Mojo_Risin]

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@Anonymous wrote:

Aloha all! I have been busy with work for the last month and haven't been able to share! Just a quick update on my journey so far.

I joined NFCU in November of last year, got my secured card in February ($500) and my more rewards Amex in June ($500).
My scores when opening my account were all low 600s, and I had just finished clearing all baddies. I got the 91 day CLI in September on the Amex ($1500) and then earlier this month my secured card finally (8 statements) graduated ($2000)! 

It just feels so good to finally see around the corner from bad credit. When this year started I had a $200 TCL and now I'm at $3700, looking forward to seeing what 2021 has in store for my credit!

I can confidently say that if it were not for this lovely group of credit knowledgeable people here, I would not be on the trajectory I am on! Thank you all so much!

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Congrats on your graduation!! 

Nice to see you doing well!!

[Mr_Mojo_Risin]

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@AverageJoesCredit wrote:

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@Anonymous wrote:

Mahalo @AverageJoesCredit !!

Great, now I've got The Power of Love stuck in my head lol!! 

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Hola! @Anonymous  great tune to have stuck in ones head!. Could be worse ( better?) Could have Nothings Gonna Stop Us Now! ( Mannequin). Love that movie had to find it on blu ray and watched it other day 

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I always loved that movie!!  Classic 80's movie IMHO!

[AverageJoesCredit]

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@Anonymous wrote:

I also got the 3k on my platinum seems like that's the new normal gee wonder what the 3rd card could yield lol

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Awesome!....3rd card....20k lol

[AverageJoesCredit]

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@ocheosa wrote:

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Guess it's now a YMMV?

I received 4k on my cashrewards in September and 4k on my platinum mastercard today. 

cashrewards: 10/19 SL 3k, 02/20 +6k, 09/20 +4k

platinum mc: 01/20 SL 20k, 04/20 +8k, 10/20 +4k 

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awesome ! Cant go wrong with ANY increase, especially during this Pandemic.

[AverageJoesCredit]

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@Anonymous wrote:

It's probably an oddball on my end what is funny is a couple months back I asked for cli on the plat and got whacked for a poi request, that was asking for 4 k in the past 24 hours they have extended me another 6k no poi, not complaining lol

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yeah thats weird. However, if Navy has your true income, then asking for cli  should leave you eith no worries. I did have 3 cards before combining and closing one. I wouldnt mind a 3rd card again but in that i dont think ill ever try again as im pretty maxed on credit for my income. If Navy gave me a 3rd card they'd  be officially loco

[AverageJoesCredit]

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@Mr_Mojo_Risin wrote:

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@AverageJoesCredit wrote:

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@Anonymous wrote:

Mahalo @AverageJoesCredit !!

Great, now I've got The Power of Love stuck in my head lol!! 

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Hola! @Anonymous  great tune to have stuck in ones head!. Could be worse ( better?) Could have Nothings Gonna Stop Us Now! ( Mannequin). Love that movie had to find it on blu ray and watched it other day 

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I always loved that movie!!  Classic 80's movie IMHO!

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yup! Its amazing with all these movies  nowadays i somehow revert to all my classic 80"s films. Navy cli can still be had even now ( lol see still keeping post relevant, wink )

[Anonymous]

They were whacking people for poi, and I was on unemployment due to covid so I didn't have recent stubs so I was declined, this time they didn't even ask, however I did pay my student loans down from 8k to 800 so that may have a factor in it

[AverageJoesCredit]

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@Anonymous wrote:

They were whacking people for poi, and I was on unemployment due to covid so I didn't have recent stubs so I was declined, this time they didn't even ask, however I did pay my student loans down from 8k to 800 so that may have a factor in it

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That helps. I think me paying my Penfed loan during these months normal helped me with my recent approval. I too lost my job due to Covid but thankfully am back though many of my coworkers are not yet.  Its a tough balance but ill forever be thanful for my Navy cards that helped get through these months even though its more debt i aquired. 

[Anonymous]

Closing next week on a house and DW and I have 3 NFCU cards between us(2 me, 1 her). 
We only have about $7500 total limits between the 3 cards and would like 1 more for each of us. I'd also like to ask for a CLI on 2 of them since they were opened last October. Scores are upper 600's.

Any suggestions? TIA