@Anonymous wrote:
@spiritcraft1 wrote:
@M_Smart007 wrote:@spiritcraft1, IMHO .. The longer you can wait, the better the odds of a higher SCL,
Due to the fact, in waiting .. you may not hit the "Navy max internal limit" that they are willing to grant you.
Good Luck and may the odds be in your favor!
How long do you think? I have only applied for 1 card in the last 14 months or so, that 3rd NFCU card denial in November day after a CLI.
I will have a very itchy finger when my TU score massively jumps.
@spiritcraft1 As someone who did the 91/3 shuffle and got 3 cards back to back to back, waiting is key. If i had not done them the way i did, i think i would have gotten much better SL's. Even with the changes (the beer bug) they are still all about DTI, so while a higher score is better, you would still need to have DTI in check. You see people with low scores, but low DTI get larger starting limits.
All in all, you have to do what is best for your credit goals and desires, just a bit of what i learned over the last 4 years. Maybe it's helpful.
Thank you. DTI is excellent, less than 6%, AZEO, longer NFCU History etc. Actually the mortgage, through NFCU, is only in my Wife's name so I am really at 0% DTI with half the income or at 6% with $180k 
Not sure what I am, I guess it depends on who is asking. (HHI or not)
My last card with them was late 2018. My last denial was a total bonehead move in trying a couple days after a successful CLI.
@spiritcraft1 wrote:Since TU will fully clean up first, hopefully in 12 days or so, I would like to go for that 3rd NFCU card (4th try). I failed last time since I tried right after a CLI and got the max unsecured letter.
This time, after my last derog drops on TU, I should be in the 800 TU 09 range, with DTI <7%, 1% UTI and 1 TU INQ in the last year. I have no new cards in a year and my highest CL is $12.2 K on my Flagship. Income should support the max they usually give out but I know there are zero sure things. This will be my first app in the attempt to reshuffle the deck and obtain some higher limit cards and would like to finally nail it with that 3rd card.
The question is how long is long enough after a successful CLI? I received a 2.5K increase on my Flagship on the 1st of April. How long should I wait to increase the likelihood of a larger SL? I will likely go for a CR and if I get a larger limit, I will transfer most to my Flagship at some point. Any thoughts are appreciated.
No magic to it, 6 months after a successful cli. Good luck
@spiritcraft1 wrote:
@M_Smart007 wrote:@spiritcraft1, IMHO .. The longer you can wait, the better the odds of a higher SCL,
Due to the fact, in waiting .. you may not hit the "Navy max internal limit" that they are willing to grant you.
Good Luck and may the odds be in your favor!
How long do you think? I have only applied for 1 card in the last 14 months or so, that 3rd NFCU card denial in November day after a CLI.
I will have a very itchy finger when my TU score massively jumps.
Whenever you are eligble go for it. This world isnt getting any saner so fico it get your Navy Jones while you can
.
My 6 months is up in May and im shooting for a triple whipple. All 3 cards are getting requests. I might very well be at endgame but if i dont try ill never know. Locked reports make it as safe as possible. I want to be the first poor person with a 50k limit😆🙋♂️
You late bro lol.. I'm the first poor guy with it.
@Anonymous wrote:You late bro lol.. I'm the first poor guy with it.
Lol nah you might be myFico poor but nobody beats what i make not even Maaco. Alas, ill still proudly pride on what Navy has given me . Didnt get any of it in one fell hp either lol. TU RIP Navy Fed EQ RIP PenFed. EX- meh nobody loves me
@Anonymous wrote:Penfed is my new spot.. just Inherited 10k pathfinder card.. was trying for 25k they baby stepping me..
I inherited DENIAL, its a lovely Statue that always shimmers in the April showers.
@Anonymous wrote:Whats up @M_Smart007
Still causing trouble in here i see
@Anonymous *cough* *cough*
@AverageJoesCredit wrote:
@Anonymous wrote:Penfed is my new spot.. just Inherited 10k pathfinder card.. was trying for 25k they baby stepping me..
I inherited DENIAL, its a lovely Statue that always shimmers in the April showers
😫 oh wow sorry to hear that...get that equifax straight and you will be good.