Navy Federal Thread for CLI and Additional Cards

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I saw a YouTube video that said to apply late at night like 12:30-4am. I applied at 1 am both times.  

something about the credit dept being closed so your more likely to get higher limits and more likely to be approved! 
and my cash rewards is at 69% ultilization. 

Ill wait until I've been a member of NFCU for a full year in July and try again for the CLI

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Computer Algorithms don't sleep, applying late at night hack is false information. Congratulations though.

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I honestly suspected as much, but wanted to try anyway.  Thank you! 

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Did you apply on 1am est, mst, or est zones? Just curious!

[FinStar]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I saw a YouTube video that said to apply late at night like 12:30-4am. I applied at 1 am both times.  

something about the credit dept being closed so your more likely to get higher limits and more likely to be approved! 
and my cash rewards is at 69% ultilization. 

Ill wait until I've been a member of NFCU for a full year in July and try again for the CLI

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Computer Algorithms don't sleep, applying late at night hack is false information. Congratulations though.

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I honestly suspected as much, but wanted to try anyway.  Thank you! 

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Did you apply on 1am est, mst, or est zones? Just curious!

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@Anonymous - just keep in mind that the so-called 'hack' has been disproven on Reddit and other sources.  A variety of folks have reported being denied even when NFCU is "asleep".

Just apply like anything else.

[Anonymous]

@FinStar 

- wrote

- just keep in mind that the so-called 'hack' has been disproven on Reddit and other sources. A variety of folks have reported being denied even when NFCU is "asleep".

Just apply like anything else.

I was just curious.

[althes]

Well I waited till the update went from 746-740 but still got the 4k COVID increase.

[Anonymous]

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@althes wrote:

Well I waited till the update went from 746-740 but still got the 4k COVID increase.

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Wow, it should have lower your utilization and increased your score I thought.

[althes]

I lost a 20yr old account so that's why my score dropped.

Same thing happened on EX and TU.

My EX03 tumbled by 20 points.

Man losing old closed accounts really hurts.

[OmarGB9]

Well my secured card generated its 8th full statement, and still hasn't graduated. 😕

On the plus side, I requested the 4k COVID increase on my MR Amex, and was approved, but only for $1k. So my CL went from $1k -> $2k. Small win, but I'll take it!

[Anonymous]

A win is a win. And now you know you'll have bigger wins in the future bro! 

[Mr_Mojo_Risin]

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@OmarGB9 wrote:

Well my secured card generated its 8th full statement, and still hasn't graduated. 😕

On the plus side, I requested the 4k COVID increase on my MR Amex, and was approved, but only for $1k. So my CL went from $1k -> $2k. Small win, but I'll take it!

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Congrats on the CLI!

My Cash Rewards started at 500. At 91/3 it went to 1500 and 6 months later to 4K. It seems once limits reach 1.5K-2K then the larger increases start to show. I've noticed that with some other members as well.

[Anonymous]

Maybe a silly question here, but how does everyone gauge how much of a CLI to request when requesting? Will they always counter, so shoot for the sky or keep it within what you personally think is achievable?