My 91/3 is 11/3 now I'm rethinking pulling the trigger after reading your post.
Starting FICO 8s | 06/2018: EX 601 ✦ EQ 605 ✦ TU 590
Well, got the denial letter today for the MoreRewards CLI request, here is what the letter stated
"There has recently been a change to the credit line on this account"
So, No soup for Me! (I asked to soon)
*No credit score given / no mentioned credit bureau / no Navy internal score on the letter.
Still going for Platinum APR reduction on one year anniversary >> 12-08-2019 07:43 PM (will ask on 12/9 just to be safe)
Also I hope the MR request does not hinder My Flagship 180 day request? (Maybe @Anonymous can clarify?)
Last CLI on The Flagship was on 06-08-2020 09:53 PM for $4K .. so I should be good to ask on 12/9
BOO! At least they didn't say no for any other reason...that's a plus!
Received $1,500 CLI on my GoRewards card, asked for $4k. It took almost 48 hours. Started at a $5k secured in mid 2016 at a 400 FICO 09, graduated in early 2019 and since has received a $500 CLI 6 months ago.
I can't access my weekly TU report right now but I see that they did NOT SP EQ this time.
@M_Smart007 wrote:
@cashorcharge wrote:
@M_Smart007 wrote:Yesterday Morning requested a CLI on my Amex MoreRewards card, so far no change in the limit.
Asked for $6500 increase knowing the cap on CLI's is $4K.
It has been a while since I had a CLI on that card. If I don't get anything,
Will wait until December 10th ... and ask on the Flagship.
From Monday, June 8, 2020 (Last Flagship CLI)
Added 6 months >> Result: Tuesday, December 8, 2020
I really hope that I do not get offerd the $500 Navy special on the MoreRewards.
If I do, I will decline it.
Even if they add $4K, I will still be just a little shy of Navy's $80K max exposure / across all CC's.
I will post the outcome.
Good Luck! I'll be looking forward to the outcome! I know how much they love you @M_Smart007
Well, got the denial letter today for the MoreRewards CLI request, here is what the letter stated
"There has recently been a change to the credit line on this account"
So, No soup for Me! (I asked to soon)
*No credit score given / no mentioned credit bureau / no Navy internal score on the letter.
Still going for Platinum APR reduction on one year anniversary >> 12-08-2019 07:43 PM (will ask on 12/9 just to be safe)
Also I hope the MR request does not hinder My Flagship 180 day request? (Maybe @Anonymous can clarify?)
Last CLI on The Flagship was on 06-08-2020 09:53 PM for $4K .. so I should be good to ask on 12/9
The timer doesn't reset if you ask too early, @M_Smart007 
Also, remember that you're going to want to wait more like 185 days.
@ccquest wrote:
@ccquest wrote:
@Anonymous wrote:
Join now @ccquest !Went ahead and called in to do the app over the phone as the online one suggested since I'm just going based on my sister's prior AF service. They didn't ask for anything about her, so I guess it's just trust based at this point. Rep said I would hear back in 3-5 business days, so I guess I'll find out by the end of the week.
Experian seems to have some sort of inside info and says they reported a bank account with my SSN. Haven't received any communication from Navy quite yet though! Today is the third business day still so it fits in their timeline.
Another update on this: I hadn't received anything so far and it was the end of 7 full business days. I called back in and spoke with a rep who said I should have gotten an email from the security team to upload some ID verification documents (ID, statements with address) but I didn't have anything in my inbox or spam. She couldn't find something on her end so just suggested I email them to MembershipDocs@navyfederal.org so I sent that off tonight. Got an auto response saying I'll hear back in "up to five business days." No rush for me, just figured I'd post an update in case it helps anyone coming through later.
as of 1/1/23
