Navy Federal Thread for CLI and Additional Cards

[Anonymous]

Do they use that credit score or pull a new one when you apply for a new card and CLI? My actual credit report updates around the 10th-12th and my Christmas-time balances will be gone from my CR then with a much higher score. I also paid an additional $1,000 on a loan to bring the balance down significantly that won't update until then.

[AverageJoesCredit]

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@Anonymous wrote:

Do they use that credit score or pull a new one when you apply for a new card and CLI? My actual credit report updates around the 10th-12th and my Christmas-time balances will be gone from my CR then with a much higher score. I also paid an additional $1,000 on a loan to bring the balance down significantly that won't update until then.

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If you are worried about applying , just wait til they do their next month update. If you apply for a cc just wait til your TU shows your  updates since when they pull it should pull the fresh TU report regardless if its a fico 8 or 9 score.

[coreyb80]

Navy Fed gave me a $1K CLI on my plat card.  I've added this date to my spreadsheet so I'll know when to apply for a CLI in July.  Thank you all for the advice!

[Anonymous]

Got my Siggy upgrade in the mail today for my cashRewards. I had decided to just wait until it came rather than request it. The new design is a darker green than the images I saw that made it look like lemon-lime and I kinda dig it. 👍 

I am not sure how I feel about them sending replacement cards in the mail already activated though (same card number, CVV, expiration). I get it from a convenience angle but the fraud angle sucks. 

[AverageJoesCredit]

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@Anonymous wrote:

Got my Siggy upgrade in the mail today for my cashRewards. I had decided to just wait until it came rather than request it. The new design is a darker green than the images I saw that made it look like lemon-lime and I kinda dig it. 👍 

I am not sure how I feel about them sending replacement cards in the mail already activated though (same card number, CVV, expiration). I get it from a convenience angle but the fraud angle sucks. 

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Fico Navy close your cards!   I mean , how dare they siggy a fraudster

[Anonymous]

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@AverageJoesCredit wrote:

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@Anonymous wrote:

Got my Siggy upgrade in the mail today for my cashRewards. I had decided to just wait until it came rather than request it. The new design is a darker green than the images I saw that made it look like lemon-lime and I kinda dig it. 👍 

I am not sure how I feel about them sending replacement cards in the mail already activated though (same card number, CVV, expiration). I get it from a convenience angle but the fraud angle sucks. 

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Fico Navy close your cards!   I mean , how dare they siggy a fraudster

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Lol didn't bother me that much, was just something that added to my post.

[AverageJoesCredit]

Looks like a no go on recon of sl for my Plat. Didnt read message but limit still same. Its ok, cant be mad it was worth a shot . Could probably ask to move limits but i think ill give Navy a breather and some more history. Just gotta figure how to bt $4100 on a $3000 card lol

[AverageJoesCredit]

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@Anonymous wrote:

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@AverageJoesCredit wrote:

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@Anonymous wrote:

Got my Siggy upgrade in the mail today for my cashRewards. I had decided to just wait until it came rather than request it. The new design is a darker green than the images I saw that made it look like lemon-lime and I kinda dig it. 👍 

I am not sure how I feel about them sending replacement cards in the mail already activated though (same card number, CVV, expiration). I get it from a convenience angle but the fraud angle sucks. 

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Fico Navy close your cards!   I mean , how dare they siggy a fraudster

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Lol didn't bother me that much, was just something that added to my post.

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Lol, but yeah its a headscratcher but grats on the siggy its a beaut. 

[Anonymous]

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@AverageJoesCredit wrote:

Looks like a no go on recon of sl for my Plat. Didnt read message but limit still same. Its ok, cant be mad it was worth a shot . Could probably ask to move limits but i think ill give Navy a breather and some more history. Just gotta figure how to bt $4100 on a $3000 card lol

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I would just ask them to move limits. It's a reasonable request. 

[AverageJoesCredit]

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@Anonymous wrote:

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@AverageJoesCredit wrote:

Looks like a no go on recon of sl for my Plat. Didnt read message but limit still same. Its ok, cant be mad it was worth a shot . Could probably ask to move limits but i think ill give Navy a breather and some more history. Just gotta figure how to bt $4100 on a $3000 card lol

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I would just ask them to move limits. It's a reasonable request. 

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Yeah might still do so. Im just waiting to see if i get a stimulus  check by next week. As u know im in PR which means ill probably see one in 2023