@portlandmusician wrote:
@newmomnewme wrote:Good luck @portlandmusician I think you got this! Is Navy opened tomorrow? I would like to see your post in the approval thread when I wander over there this weekend!
@newmomnewme I guess they are open on weekends! I swear I checked my app and email (including spam folder!) several times a day. All weekend, I didn't hear anything, after the call to verify my identity on Friday. I woke up this morning, checked again, nothing. "Oh well, I'll be patient and wait," I told myself. Well, I just did another check and, in my spam folder, I found a letter from yesterday from Navy Fed congratulating me! I was approved for the lowest APR and $25k limit. You can imagine my joy! So excited. Not sure how I didn't see it yesterday in my spam folder, but better late than never! Good luck to you on your CLI! Fingers are crossed and I'm pulling for you! Thanks again for the help, reassurance, and conversation!
Everyone else... thank you so much! Oh man, I was sweating bullets and biting my nails hard the past several days and, in the end, Navy Fed for the win!
Over to approvals I go...
Happy Holidays! I hope you and yours are healthy, safe, and you're all doing well! Trust in Navy Fed, that's all I can say
That's awesome. Double win on the lowest APR and highest starting limit. Congratulations on your approval!
@recoveringfrombk7 wrote:
@OmarGB9 wrote:
@Mr_Mojo_Risin wrote:
@OmarGB9 wrote:Did I mess up? I forgot the order for new app/CLI to be honest, but anyway, I apped for a More Rewards (and was approved! Albeit for only $1k) card. I tried asking for a CLI online on my secured nRewards afterwards, but it said it was unable to process and to call their customer service number. Did I mess up?
Is a $1k Navy approval borderline kinda like an Amex $1k approval? Is bucketing a thing with Navy? Will it still grow quickly?
Thanks in advance to any answers.
Congratulations on your approval!
I haven't heard of NFCU bucketing cards. It'll grow.
Thank you! And that's good to know, but my next question is: how quickly will it grow? I was really hoping for one of those amazing $20-$25k SLs that seem to be the norm with Navy.
@Anonymous wrote:@OmarGB9 I totally agree with @Mr_Mojo_Risin, no buckets! I have a CR ($21K), Platinum ($18K) and went for the third card MR in September. Instantly approved (yaay!) for $1K (ugh!). I guess they were underwelmed with my request haha!! I'll be trying for a CLI at the end of December so I'm hoping it will grow.
I'll give you an update either way!!! Fingers crossed that we both see some growth on the cards in 2021!
Thanks @Anonymous ! Did your CR and Plat start low? And yes let us/me know whether they approve your CLI!
Another question, for anyone that wants to answer/knows the answer: can I apply for a CLOC with same HP, and if so, is my TU score good enough for approval (TU9 score only off by a few points from TU8 score in sig)? DTI around 35%, 3 unpaid COs, 5 paid COs, 1 collection. Income ~$70k.
@OmarGB9 CLOC typically pulls EQ9 because it's a loan, whereas cc pull TU9.
Are you sure? 
Because from what I heard, starting in September all credit products began using TU9.
@OmarGB9 I got mine in July, so I know for sure it was EQ then. It was handled by a different department. Always possible things have changed. You could always secure message and share what you learn.
@portlandmusician wrote:
@newmomnewme wrote:Good luck @portlandmusician I think you got this! Is Navy opened tomorrow? I would like to see your post in the approval thread when I wander over there this weekend!
@newmomnewme I guess they are open on weekends! I swear I checked my app and email (including spam folder!) several times a day. All weekend, I didn't hear anything, after the call to verify my identity on Friday. I woke up this morning, checked again, nothing. "Oh well, I'll be patient and wait," I told myself. Well, I just did another check and, in my spam folder, I found a letter from yesterday from Navy Fed congratulating me! I was approved for the lowest APR and $25k limit. You can imagine my joy! So excited. Not sure how I didn't see it yesterday in my spam folder, but better late than never! Good luck to you on your CLI! Fingers are crossed and I'm pulling for you! Thanks again for the help, reassurance, and conversation!
Everyone else... thank you so much! Oh man, I was sweating bullets and biting my nails hard the past several days and, in the end, Navy Fed for the win!
Over to approvals I go...
Happy Holidays! I hope you and yours are healthy, safe, and you're all doing well! Trust in Navy Fed, that's all I can say
@portlandmusician, Well Done ... Congratulations!
@portlandmusician wrote:
@newmomnewme wrote:Good luck @portlandmusician I think you got this! Is Navy opened tomorrow? I would like to see your post in the approval thread when I wander over there this weekend!
@newmomnewme I guess they are open on weekends! I swear I checked my app and email (including spam folder!) several times a day. All weekend, I didn't hear anything, after the call to verify my identity on Friday. I woke up this morning, checked again, nothing. "Oh well, I'll be patient and wait," I told myself. Well, I just did another check and, in my spam folder, I found a letter from yesterday from Navy Fed congratulating me! I was approved for the lowest APR and $25k limit. You can imagine my joy! So excited. Not sure how I didn't see it yesterday in my spam folder, but better late than never! Good luck to you on your CLI! Fingers are crossed and I'm pulling for you! Thanks again for the help, reassurance, and conversation!
Everyone else... thank you so much! Oh man, I was sweating bullets and biting my nails hard the past several days and, in the end, Navy Fed for the win!
Over to approvals I go...
Happy Holidays! I hope you and yours are healthy, safe, and you're all doing well! Trust in Navy Fed, that's all I can say
Portland with a monster approval!!
It was worth the wait! Congratulations
Cool, if that's the case I'm going to try to weasel another $500 when I app for FS. It has always been my understanding that CLOC CLIs are hard pulls.
