@spiritcraft1 wrote:
@AverageJoesCredit wrote:
@spiritcraft1 wrote:
@AverageJoesCredit wrote:
@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
Are you saying to wait 6 months after a CLI to apply for a new card?
No, sorry for confusion. 6 months after a successful credit limit increase. One can apply a cc whenever they wish though depending on certain variables, may or may not get approved
.
6th time the charm? They spoiled me with my last approval for a CC. That was the Flagship for $8.2k with a 590 F09 score in December of 2018. Since, it has been an instant "no soup for you" and 5 HP's just so I remember. When TU clears, I will try once again.
Lol, been there done that. I have plenty of denial hps from Navy during the course of my 3+ year history. Had 3 cards, closed 1 moved limits, applied for 3rd card denied various times , back to 3, move limits, etc. Quite a Merry-go-round 😀. While many can get instant satisfaction of getting a 25k limit ive had to really work for mine lol. My only regert is i never learned with PF. I give them my hp and my heart, they give me a hp and " you're not tall enough for this ride".
@Anonymous wrote:You late bro lol.. I'm the first poor guy with it.
Trick question.. Congrats on getting the 3rd as a LIE'er, but i've had 3 since 2017.
Keep on killing it, my LIE'er club
😂
@Anonymous wrote:
@AverageJoesCredit wrote:
@Anonymous wrote:So what if i want to app for second card before Cli...do i unfreeze then refreeze all 3??
Yes, you would need to unfreeze because Navy does not do sp approvals on new credit accounts. Good thing is more than likely will not receive 2 hps on a app plus cli request. But if it worries you, apply for your card and then refreeze, wait for your results then apply for cli.
I would agree with the above about the going after the card first, as the CLI could lower your "internal limit" and get your app denied. Food for thought as the app first then cli worked for me when i was doing the shuffle.
Hey @Anonymous 
. Well im officially at 3 now. 2 Plats and a CR. Waiting until 1 May to hulksmash. 99.9% sure im tapped out but if i dont try never know. If i hadnt triedfor 25k never would have gotten it. If i didnt try for 30k never would have gotten 29k. Still in shock on that one
