Navy Federal Thread for CLI and Additional Cards

[Anonymous]

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@coreyb80 wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

@MrZero 

Did you ever request a CLI? And was it a SP or a HP? 

Asking for a friend

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CLIs are SP if you request on the app or website. You may get a HP if you call. 

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I know it's generally a SP and it's YMMV, but I just wanted a most up-to-date DP before my friend pulled the trigger. Thanks @Anonymous for responding so quickly!

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Yeah it's been a SP for over a year now. I wouldn't worry about it changing for now. 

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What would you ask for a CLI? Is 4K the new max? I remember before Covid, people would shoot for the stars at $25K. Should we ask for only 3x?

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Shoot for the stars and if they see fit, they'll counter your request.  Good luck on the CLI!

Random question, anyone ever recon a low CLI?  Don't think I've seen it before hence why I was curious.  

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It has happened from people who heavily use the card but it's not a high success rate. 

[Anonymous]

Just adding a few datapoints to the thread.

Joined NFCU Jan 2020. Their score was 638 at the time. One old 'seriously deliquent', otherwise clean file with high utilization, maybe 80%ish. $1000 starting limit Cash Rewards, so just squeaked in.

May 2020, 3/91, applied for Platinum to do a balance transfer as I'm aggressively paying down debt. Declined. They did up my Cash rewards to $1500 as a consolation prize.

Nov 2020, hit the CLI button, missed by 4 days. Oopsie. Charged up the cash rewards, paid off in full, did the same in Dec.

Jan 2021. Itchy fingers. Due date is the 4th. Statement date a few days later. EQ Fico 9 at 700 even. Ah what the heck, lets spin the wheel. Asked for $7,500. Wheel landed on $4,500.

This will help my utilization tho, and once the bureaus update, I'll hit the CLI button on AmEx and Disco and see where they land. If I get my score up enough, I'll try for that Platinum again. Goal for 2021 is to be rid of 25K of credit card debt, or at least well on my way.

Hope this helps someone!

[cashorcharge]

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@Anonymous wrote:

Just adding a few datapoints to the thread.

Joined NFCU Jan 2020. Their score was 638 at the time. One old 'seriously deliquent', otherwise clean file with high utilization, maybe 80%ish. $1000 starting limit Cash Rewards, so just squeaked in.

May 2020, 3/91, applied for Platinum to do a balance transfer as I'm aggressively paying down debt. Declined. They did up my Cash rewards to $1500 as a consolation prize.

Nov 2020, hit the CLI button, missed by 4 days. Oopsie. Charged up the cash rewards, paid off in full, did the same in Dec.

Jan 2021. Itchy fingers. Due date is the 4th. Statement date a few days later. EQ Fico 9 at 700 even. Ah what the heck, lets spin the wheel. Asked for $7,500. Wheel landed on $4,500.

This will help my utilization tho, and once the bureaus update, I'll hit the CLI button on AmEx and Disco and see where they land. If I get my score up enough, I'll try for that Platinum again. Goal for 2021 is to be rid of 25K of credit card debt, or at least well on my way.

Hope this helps someone!

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That's great!!  Congratulations on your approval @Anonymous 

[Anonymous]

Thank you!

[MrZero]

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@Bankrupt2019 wrote:

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@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.😬

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I smell $4k 

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Haven't gotten a response yet since it's only been one business day but if but they counter with $4K I won't complain.

[M_Smart007]

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@Anonymous wrote:

Just adding a few datapoints to the thread.

Joined NFCU Jan 2020. Their score was 638 at the time. One old 'seriously deliquent', otherwise clean file with high utilization, maybe 80%ish. $1000 starting limit Cash Rewards, so just squeaked in.

May 2020, 3/91, applied for Platinum to do a balance transfer as I'm aggressively paying down debt. Declined. They did up my Cash rewards to $1500 as a consolation prize.

Nov 2020, hit the CLI button, missed by 4 days. Oopsie. Charged up the cash rewards, paid off in full, did the same in Dec.

Jan 2021. Itchy fingers. Due date is the 4th. Statement date a few days later. EQ Fico 9 at 700 even. Ah what the heck, lets spin the wheel. Asked for $7,500. Wheel landed on $4,500.

This will help my utilization tho, and once the bureaus update, I'll hit the CLI button on AmEx and Disco and see where they land. If I get my score up enough, I'll try for that Platinum again. Goal for 2021 is to be rid of 25K of credit card debt, or at least well on my way.

Hope this helps someone!

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Congratulations on your success!

[M_Smart007]

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@MrZero wrote:

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@Bankrupt2019 wrote:

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@MrZero wrote:

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

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I smell $4k 

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Haven't gotten a response yet since it's only been one business day but if but they counter with $4K I won't complain.

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Fingers crossed .. Please keep us posted.

[cashorcharge]

Question for the group....

I currently hold the Flagship so I am getting "points" to a rewards account.

If I decided to get another card....say the MoreRewards...thus giving me an option to earn more "points" with another card, would the second cards' earning points, pool the points into 1 rewards account?  Or would it create 2 different Rewards Points Accounts?

I am thinking if I go for the Cash Back card, I will accrue seperate dollars earned but when it comes to points, even though those points can be converted to dollars...I didn't want to have 2 seperate points/rewards accounts.  

If you have such a set up and NFCU combines both "points" earnings into a single account for use, let me know.  Thanks so much

[800wannabe420]

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@cashorcharge wrote:

Question for the group....

I currently hold the Flagship so I am getting "points" to a rewards account.

If I decided to get another card....say the MoreRewards...thus giving me an option to earn more "points" with another card, would the second cards' earning points, pool the points into 1 rewards account?  Or would it create 2 different Rewards Points Accounts?

I am thinking if I go for the Cash Back card, I will accrue seperate dollars earned but when it comes to points, even though those points can be converted to dollars...I didn't want to have 2 seperate points/rewards accounts.  

If you have such a set up and NFCU combines both "points" earnings into a single account for use, let me know.  Thanks so much

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I have both the Flagship and More Rewards.  Unfortunately, combining the points from each card is NOT currently an option 😞.

Sure would be nice though...

[cashorcharge]

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@800wannabe420 wrote:

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I have both the Flagship and More Rewards.  Unfortunately, combining the points from each card is NOT currently an option 😞.

Sure would be nice though...

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Thanks so much for providing the details @800wannabe420 

I wasn't entirely sure so I'm glad to know.  My next 91/3 slot is coming up and debating which card to chose.  Appreciate your help!