Navy Federal Thread for CLI and Additional Cards

[jmos]

Hello and I hope everyone is well. My questions is this:

I have two Navy cards cash rewards and platinum. Both received increases a little over 6 months ago. Am I able to request a CLI on both cards on the same day? Any advice would help. Thanks.

[cashorcharge]

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@jmos wrote:

Hello and I hope everyone is well. My questions is this:

I have two Navy cards cash rewards and platinum. Both received increases a little over 6 months ago. Am I able to request a CLI on both cards on the same day? Any advice would help. Thanks.

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Yes.  As long as it's been at least 6 full (30 day) statements closed have passed since your last increase then you would be eligible to request CLI's on both

[M_Smart007]

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@jmos wrote:

Hello and I hope everyone is well. My questions is this:

I have two Navy cards cash rewards and platinum. Both received increases a little over 6 months ago. Am I able to request a CLI on both cards on the same day? Any advice would help. Thanks.

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DP's suggest this ^^^^^^ is possible.

[jmos]

@cashorcharge  6 full statements, eh.  If you request too soon, will that mess things up and restart the clock? Thanks for the advice.

[cashorcharge]

No, you'll just get declined with a reason likely stating "there was a recent change to your account" and then you'll need to ask again once that clock/timing obligation is in fact passed...

[ocheosa]

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@jmos wrote:

Hello and I hope everyone is well. My questions is this:

I have two Navy cards cash rewards and platinum. Both received increases a little over 6 months ago. Am I able to request a CLI on both cards on the same day? Any advice would help. Thanks.

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@jmos from what I've read you can request both on the same day. Keep in mind we are in the midst of a pendemic and all lenders have become more careful. So IMHO whether or not you are approved would depend on your profile, history, DTI, utilization, etc.

Every situation may be different but for me the only time statements entered into the time/use equation was for the initial CLI. After that it's been time only. I have 3 cards so I've spaced out requests. For Card #1 , I asked for the second CLI at 233 days and Card #2 was at 191 days. I reallocated funds to Card#3 so have not yet requested a CLI.

GL!

[jmos]

@ocheosa  Very interesting strategy indeed. Thanks.

[Matt9543]

Is it still appearing to be SP CLI's? I have seen the DP supporting that, but have not seen anybody posting about a HP. Curious if they've for sure stopped with the HP's for CLI. Also, has anybody gotten one from having their reports frozen? I believe before they used Equifax but that's moving to TransUnion it looks like, so is it worthwhile to unfreeze the report for the CLI request as well?

[Anonymous]

We've seen sp's only if requesting online or through the mobile app for awhile now. If you call hp may still be possible.

[Matt9543]

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@Anonymous wrote:

We've seen sp's only if requesting online or through the mobile app for awhile now. If you call hp may still be possible.

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Well my intent is to grab one from online, so I will go ahead and do that method in a couple weeks and see if it results in anything. Can't hurt to be the DP everyone needs haha