Navy Federal Thread for CLI and Additional Cards

[OmarGB9]

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@CaptRon wrote:

I thought my DPs might help others, you've all made this much better for me. 

so today I made my 91/3 and as you advised so wisely, I applied 1st for cash rewards card--instant approval $20,000 SL went and requested increase of $9,000 on my GoRewards, under review.

 Funny thing, before I applied I took a look to see if Navy had any Pre-qual offers for me, just one the nRewards 🤣, figured what the heck let's try for real. Glad I did!

since my 11/23/20 account opening with Navy, I've been approved:

$1k Amex Hilton

$2,500 BBVA

$1,500 increase w/o asking Cap 1

$3,000 Navy GoRewards

ive been using the Go card as my driver with a balance as high as $2,800 highest but PIF until last month used it to put a down payment on a suv for my son, transferring $2,000 over to the new BBVA 

So at app:

$300 in Navy Checking 

$200 in Navy Savings

$2,000 of $2,500 balance BBVA

$800 of $3,000 balance Navy

Amex, Credit one $1,900, Cap1 all zero 

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Thank you thank you thank you! Spreading the love ❤️, Navy Love baby!!!

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Congrats on the approvals! Huge SL! Beware on the CLI request they may only approve the max $4k "COVID CLI" rather than the $9k you requested, but here's hoping they approve the full amount!

[Mr_Mojo_Risin]

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@CaptRon wrote:

I thought my DPs might help others, you've all made this much better for me. 

so today I made my 91/3 and as you advised so wisely, I applied 1st for cash rewards card--instant approval $20,000 SL went and requested increase of $9,000 on my GoRewards, under review.

 Funny thing, before I applied I took a look to see if Navy had any Pre-qual offers for me, just one the nRewards 🤣, figured what the heck let's try for real. Glad I did!

since my 11/23/20 account opening with Navy, I've been approved:

$1k Amex Hilton

$2,500 BBVA

$1,500 increase w/o asking Cap 1

$3,000 Navy GoRewards

ive been using the Go card as my driver with a balance as high as $2,800 highest but PIF until last month used it to put a down payment on a suv for my son, transferring $2,000 over to the new BBVA 

So at app:

$300 in Navy Checking 

$200 in Navy Savings

$2,000 of $2,500 balance BBVA

$800 of $3,000 balance Navy

Amex, Credit one $1,900, Cap1 all zero 

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Thank you thank you thank you! Spreading the love ❤️, Navy Love baby!!!

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Might fine job Capt! You hit em good on the CR card! Any word back from Navy yet on the CLI? 

We're pulling for you!

[M_Smart007]

+1 ^^^^^^^ 

[designated_knitter]

Joined Navy at the end of November.  Applied for cash rewards but was denied... didn't recon.

Then on 11/30, applied for auto refinance and was approved and have mad my first 3 payments on time and for more than the minimum.

Applied and approved for nRewards on 12/2.  First statement was 12/19 and have PIF for January and February.

1. So is it 91 AND 3 FULL statements (which would put me at March 25th) or 91 OR 3 Full statements?
2. If you apply too soon, do they  not even bother with the HP or do the HP regardless?
3. which CRA do I have to thaw?  TU or EQ.

sorry if this has been asked and answered but didn't see an answer recently... just lots of pointers to the 1600-page thread dating back to 2014.

Thanks in advance!

[dragontears]

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@designated_knitter wrote:

Joined Navy at the end of November.  Applied for cash rewards but was denied... didn't recon.

Then on 11/30, applied for auto refinance and was approved and have mad my first 3 payments on time and for more than the minimum.

Applied and approved for nRewards on 12/2.  First statement was 12/19 and have PIF for January and February.

1. So is it 91 AND 3 FULL statements (which would put me at March 25th) or 91 OR 3 Full statements?
2. If you apply too soon, do they  not even bother with the HP or do the HP regardless?
3. which CRA do I have to thaw?  TU or EQ.

sorry if this has been asked and answered but didn't see an answer recently... just lots of pointers to the 1600-page thread dating back to 2014.

Thanks in advance!

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Short answer: AND

[Mr_Mojo_Risin]

91 days and 3 Full statements. You'll need to wait for you March 25th statement.

You would receive a HP either way. 

[designated_knitter]

Thanks very much... now I can quit waiting for the calendar to rollover until Wednesday!  

[M_Smart007]

@designated_knitter  "which CRA do I have to thaw? TU or EQ."

TU for new credit cards.

[Anonymous]

Hmm...I coulda sworn there was a FAQ on Navy CLIs on here but can't find it even after a lot of searching. If someone knows pls point me to it.

Anyways, I was approved for my second Navy card about 3 weeks ago. Now, I'd like to ask for a CLI on my first card which has never gotten a CLI ever.  Since I'm within the 30 day window (or does navy do 60 days?) of a HP done on my credit report, will Navy require a new HP for the CLI or would they use the existing one?

[AllZero]

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@Anonymous wrote:

Hmm...I coulda sworn there was a FAQ on Navy CLIs on here but can't find it even after a lot of searching. If someone knows pls point me to it.

Anyways, I was approved for my second Navy card about 3 weeks ago. Now, I'd like to ask for a CLI on my first card which has never gotten a CLI ever.  Since I'm within the 30 day window (or does navy do 60 days?) of a HP done on my credit report, will Navy require a new HP for the CLI or would they use the existing one?

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@Anonymous   There are ~16,384 messages of FAQs with some congratulations and banter thrown in.

To answer your question, CLI are soft pull if you request online or app. You may receive a HP if done with CSR. YEMV Your Experience May Vary.

Your first card was eligible for CLI at 91 days and 3 full statements from account open. Once CLI approved, you will be relegated to the 6 month interval.

Same goes for your 2nd card. CLI eligible at 91 days and 3 full statements from account open. Once CLI approved, you will be relegated to 6 month interval.