Navy Federal Thread for CLI and Additional Cards

[M_Smart007]

I got my NFCU internal score on a approval letter today ..(I thought that was odd)

My Navy internal score is 330 out of the maximum of 450.

[shane1978]

Just did a cli request on my NFCU AMEX rewards.  Was at $13,700 and received $4,000 to $17,700.  I requested $25,000.  It was a SP.

[AllZero]

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@shane1978 wrote:

Just did a cli request on my NFCU AMEX rewards.  Was at $13,700 and received $4,000 to $17,700.  I requested $25,000.  It was a SP.

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Congratulations on your CLI!

[M_Smart007]

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@shane1978 wrote:

Just did a cli request on my NFCU AMEX rewards.  Was at $13,700 and received $4,000 to $17,700.  I requested $25,000.  It was a SP.

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@shane1978, Congratulations on your NFCU Rewards CLI

[SPChaser]

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@shane1978 wrote:

Just did a cli request on my NFCU AMEX rewards.  Was at $13,700 and received $4,000 to $17,700.  I requested $25,000.  It was a SP.

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Congrats!!!! SP city!!!! 🥳🥳🥳

[Jazee]

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@M_Smart007 wrote:

I got my NFCU internal score on a approval letter today ..(I thought that was odd)

My Navy internal score is 330 out of the maximum of 450.

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That's interesting. Maybe I missed that on my Platinum approval mail that came with the card.  But this is the first time I heard of an actual "internal score" but it backup up what I previously said about me underestimating at first the weight the bank puts on their internal data versus just your credit score/file for the CRA.  

I wonder if the internal score factors in deposit account activity/balances?

[M_Smart007]

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@Jazee wrote:

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@M_Smart007 wrote:

I got my NFCU internal score on a approval letter today ..(I thought that was odd)

My Navy internal score is 330 out of the maximum of 450.

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That's interesting. Maybe I missed that on my Platinum approval mail that came with the card.  But this is the first time I heard of an actual "internal score" but it backup up what I previously said about me underestimating at first the weight the bank puts on their internal data versus just your credit score/file for the CRA.  

"I wonder if the internal score factors in deposit account activity/balances?"

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@Jazee, We will probably never know how they calculate internal score (Navy Secrets) ..

I am guessing they look at many factors in calculating that score, I am quite sure deposits and activity as well as time as a member factor in to those, and probably if you have direct deposit .. as well as how and when you make CC payments.

Probably a lot of other variables that I am missing?. .. all JMHO

[Girlzilla88]

@M_Smart007 @Jazee   I think they may bounce back and forth because I have received letters that state your INTERNAL score showed and the last few letters I had received mentioned my TU score!      

[Anonymous]

I have a question for experts. I got Navy Federal credit card two months ago. I want to apply for their checking line of credit. If I do does that affect my 91/3 credit limit increase or apply for a new credit card at that time?

[M_Smart007]

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@Anonymous wrote:

I have a question for experts. I got Navy Federal credit card two months ago. I want to apply for their checking line of credit. If I do does that affect my 91/3 credit limit increase or apply for a new credit card at that time?

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Hi @Anonymous , It does not affect your 91/3 ..as it is a completely separate department.

Last I knew they pulled Equifax for that product. They have really tightened up on the starting limits for the CLOC's.

Unless you are "Active Military" ... CLI's are also always a HP

Good Luck!