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Navy Federal Thread for CLI and Additional Cards

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M_Smart007
Legendary Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD


@Anonymous wrote:

@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 lolSmiley Wink


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


+1

Message 15951 of 17,187
gingerflower
Senior Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

@M_Smart007 

+2 

Message 15952 of 17,187
MrZero
Regular Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

Just realized that I passed the 180 day mark a few days ago since the first CLI on my Cash Rewards, I haven't been keeping up around here (just read the last few pages) the last few months but the feeling of wanting to app for another card isn't as strong as it was back in July, since as before none of them really interest me outside of the potential large 2nd card CL and I don't feel like taking a HP and getting declined or AAoA hit after my Discover and CapOne (bleh) just made it past a year, also I'm at 4/24 so I figure if I do go for a fifth card I might just try Chase at some point this year, probably in April and if not that a second Amex.

 

So I'm just going to do a CLI request and see if I can get 3x again or denied. Has Navy gotten more strict? Are they still doing SPs?

 

I'm starting to use the CR more now that my cash back match with Discover is over.

 

EDIT: Well, didn't wait just did a 3X request, let's see how that goes.😬

Updated 8/12/22.



Total Inquiries: EX: 1|TU: 1|EQ: 1
Derogs: 0
AAoA: 2Y1M
AoOA: 2Y6M.
AoYA: 1Y1M.
Total CL: 57,600
Utilization: ~1%

Message 15953 of 17,187
Gatortrout
Regular Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

@MrZero Good Luck!

Message 15954 of 17,187
coreyb80
Super Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD


@MrZero wrote:

Just realized that I passed the 180 day mark a few days ago since the first CLI on my Cash Rewards, I haven't been keeping up around here (just read the last few pages) the last few months but the feeling of wanting to app for another card isn't as strong as it was back in July, since as before none of them really interest me outside of the potential large 2nd card CL and I don't feel like taking a HP and getting declined or AAoA hit after my Discover and CapOne (bleh) just made it past a year, also I'm at 4/24 so I figure if I do go for a fifth card I might just try Chase at some point this year, probably in April and if not that a second Amex.

 

So I'm just going to do a CLI request and see if I can get 3x again or denied. Has Navy gotten more strict? Are they still doing SPs?

 

I'm starting to use the CR more now that my cash back match with Discover is over.

 

EDIT: Well, didn't wait just did a 3X request, let's see how that goes.😬


Yes indeed the CLIs are still SP.  Good luck on the CLI!

Message 15955 of 17,187
Mr_Mojo_Risin
Senior Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD


@MrZero wrote:

Just realized that I passed the 180 day mark a few days ago since the first CLI on my Cash Rewards, I haven't been keeping up around here (just read the last few pages) the last few months but the feeling of wanting to app for another card isn't as strong as it was back in July, since as before none of them really interest me outside of the potential large 2nd card CL and I don't feel like taking a HP and getting declined or AAoA hit after my Discover and CapOne (bleh) just made it past a year, also I'm at 4/24 so I figure if I do go for a fifth card I might just try Chase at some point this year, probably in April and if not that a second Amex.

 

So I'm just going to do a CLI request and see if I can get 3x again or denied. Has Navy gotten more strict? Are they still doing SPs?

 

I'm starting to use the CR more now that my cash back match with Discover is over.

 

EDIT: Well, didn't wait just did a 3X request, let's see how that goes.😬


Good luck, keep us posted!

NFCU More Rewards 28K CL
NFCU Cash Rewards 16K CL
Citi Custom Cash 7.5K CL
AODFCU Visa Sig 5K CL
Discover IT 2.5K CL
Capital One QS 3600 CL
Message 15956 of 17,187
M_Smart007
Legendary Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD


@MrZero wrote:

Just realized that I passed the 180 day mark a few days ago since the first CLI on my Cash Rewards, I haven't been keeping up around here (just read the last few pages) the last few months but the feeling of wanting to app for another card isn't as strong as it was back in July, since as before none of them really interest me outside of the potential large 2nd card CL and I don't feel like taking a HP and getting declined or AAoA hit after my Discover and CapOne (bleh) just made it past a year, also I'm at 4/24 so I figure if I do go for a fifth card I might just try Chase at some point this year, probably in April and if not that a second Amex.

 

So I'm just going to do a CLI request and see if I can get 3x again or denied. Has Navy gotten more strict? Are they still doing SPs?

 

I'm starting to use the CR more now that my cash back match with Discover is over.

 

EDIT: Well, didn't wait just did a 3X request, let's see how that goes.😬


my-fingers-are-crossed-smiley-emoticon.gif

Message 15957 of 17,187
Anonymous
Not applicable

Navy federal 91/3

Ok I got approved for a navy federal credit card on 10/14/20 the closing date for that month was 10/25/20 so that's a partial month statement plus 11/25/20 and 12/25/20 even though that's technically 3 statements its not 91 days my 91 days would be on 1/12/21 so my question is do I have to wait until 1/25/20 for 3 full statements even though it shows I have 3 statements now or can I apply for another card on my 91st day of having this card and do I apply on the actual 91st day or the day after.

Message 15958 of 17,187
AllZero
Mega Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD


@Anonymous wrote:

Ok I got approved for a navy federal credit card on 10/14/20 the closing date for that month was 10/25/20 so that's a partial month statement plus 11/25/20 and 12/25/20 even though that's technically 3 statements its not 91 days my 91 days would be on 1/12/21 so my question is do I have to wait until 1/25/20 for 3 full statements even though it shows I have 3 statements now or can I apply for another card on my 91st day of having this card and do I apply on the actual 91st day or the day after.


Best practice is to wait for the 3rd full statement.

Message 15959 of 17,187
coreyb80
Super Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

Congrats on the approval and yes it must 3 full statements before requesting a CLI!

Message 15960 of 17,187
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