Navy Federal Thread for CLI and Additional Cards

[Anonymous]

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@Jordan23ww wrote:

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@Anonymous wrote:

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@spiritcraft1 wrote:

I can't recall...  if denied for a CLI due to max unsecured, does that reset the 181 day clock?  I am wondering as I have a card that is eligible as of today.

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Nope, no clock reset. Wait for 183 days though. Its pretty much never 181 days, 183 minimum. They are likely going by half of a year in days which would be 182.5 = 183 rounded up.

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@Anonymous  183 days? Is this a recent change? I ask because so far I've successfully gotten 3 CLI at 181 days.  I'm due for my 4th one today. I guess if I need to wait 183 days now it is only another 2 days.  

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This has been the deal for a good while now. Lots of people getting denied at 181 and approved at 183. If it's been working for you, go for it. Myself and a number of others have been denied at 181. 

[Anonymous]

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@Anonymous wrote:

Hi everyone,

Everyone here is awesome!  I've been reading these forums for over a year and following your advice to a T.  Thank you so much.  At this point it would be selfish not to share my DP. 

I was just approved for a Flaglship Rewards card with a $25,000 SL!!!!   I started off being denied for a Cashrewards card in September of 2020.  I immediately applied for a secured nRewards card with a limit of $300 and was approved. At the time I also had a Cap1 Quicksilver One card with a $2,600 CL.  

On aprox 10 FEB 2021 I was upgraded to a CashRewards card with $2,000 CL. My 3rd statement was cut on 8 May 2021 (yesterday) and today the long anticipated moment of truth had finally arrived.  Following everyone's advice I applied for the Flagship Rewards card (best fit for my current spending) before applying for a CLI on my CashRewards card.  I was immeditely approved with a $25,000 SL and 9.99% APR.  I can't believe it!! Both the CL and APR are better than I had even hoped for.  My Cap1 QS1 has an APR of 24.49% and my CashRewards has an 18% APR.  

Since being approved for my nRewards and ever since it was upgraded to a CashRewards I have never left a balance on my card.  I don't even leave a balance come report date so utilization always shows as 0% even though I was typically spending $1,500-$2,200 per month.  I know some suggest it's smart to leave a small balance, and they are probably right.  I just felt more at ease not doing so. 

Current Credit Scores:

Experian: 665 (just dropped 20 points a week ago for a currently undiscernable reason)

NFCU FICO 9: 689 (also dropped 20 points a week ago)

Transunion: 708 (down 9 points do to the inquiry from above)

Thanks again for everything!  Yall are amazing.  I'm not sure where I would be without all your help!

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Congrats on your successes!

The reason a small balance is recommended is because you get a scoring penalty for all cards at $0 and creditors don't see you using credit so they have no incentive to approve you for new credit. 

[Jordan23ww]

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@Anonymous wrote:

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@Jordan23ww wrote:

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@Anonymous wrote:

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@spiritcraft1 wrote:

I can't recall...  if denied for a CLI due to max unsecured, does that reset the 181 day clock?  I am wondering as I have a card that is eligible as of today.

---

Nope, no clock reset. Wait for 183 days though. Its pretty much never 181 days, 183 minimum. They are likely going by half of a year in days which would be 182.5 = 183 rounded up.

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@Anonymous  183 days? Is this a recent change? I ask because so far I've successfully gotten 3 CLI at 181 days.  I'm due for my 4th one today. I guess if I need to wait 183 days now it is only another 2 days.  

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This has been the deal for a good while now. Lots of people getting denied at 181 and approved at 183. If it's been working for you, go for it. Myself and a number of others have been denied at 181. 

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Oh ok! Thank you! Well, only 1 hour and 40 minutes until day 182 so I'll at least wait until then!😂

[Credit4Growth]

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@spiritcraft1 wrote:

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@spiritcraft1 wrote:

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@Anonymous wrote:

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@spiritcraft1 wrote:

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@Anonymous wrote:

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@spiritcraft1 wrote:

I can't recall...  if denied for a CLI due to max unsecured, does that reset the 181 day clock?  I am wondering as I have a card that is eligible as of today.

---

Nope, no clock reset. Wait for 183 days though. Its pretty much never 181 days, 183 minimum. They are likely going by half of a year in days which would be 182.5 = 183 rounded up.

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Thank you.  I have a spreadsheet that is set to 184 to be safe.  I was just approved for a card Saturday and had the limit recon'd today.  I suspect I will get the max unsecured but I suppose I will test my luck.  If it isn't approve, I'll wait a month.  Thanks again!

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Good luck! 🍀🤞

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I just did it...  I think.  I got the "were working on getting the website..." after hitting done.  I think that has happened before and the CLI request was actually sent.  We will see in a day or two, or three.

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What a difference a week makes.  Approved for the 4k increase I asked for.  I had sent that successful SL recon for my CB card and now NFCU seems to really like me.  I didn't think I would get this CLI after that big approval this week but they gave me the full Covid CLI.

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@spiritcraft1  Congratulations on your Navy 4K increase 👍 and congrats on your PSECU Founders approval! 🍻 

[Credit4Growth]

@Anonymous 

Thanks for the interesting read and data points.

Congratulations on your Flagship approval!

... 👍 Great rateband limit!

[M_Smart007]

@Anonymous,   to myFICO® Forums and Congratulations on your Flagship approval!

[Anonymous]

Got my letter I was denied for "reaching navy federal maximum unsecured limit" citing equifax score of 810/818 I thought fico 9 max was 850 but ok. I'm thinking it's because I just got an increase on another card, any dps of how long to wait until I try again probably a month or two at least, I was considering recon through SM but don't want to risk a hard pull

[Anonymous]

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@Anonymous wrote:

Got my letter I was denied for "reaching navy federal maximum unsecured limit" citing equifax score of 810/818 I thought fico 9 max was 850 but ok. I'm thinking it's because I just got an increase on another card, any dps of how long to wait until I try again probably a month or two at least, I was considering recon through SM but don't want to risk a hard pull

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Did you request a CLI prior to the 91/3 for one of the cards

Did you apply for a CLI before the 185 days since your last approval?

[Anonymous]

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@Anonymous wrote:

Got my letter I was denied for "reaching navy federal maximum unsecured limit" citing equifax score of 810/818 I thought fico 9 max was 850 but ok. I'm thinking it's because I just got an increase on another card, any dps of how long to wait until I try again probably a month or two at least, I was considering recon through SM but don't want to risk a hard pull

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Sounds like they used a mortgage score. They do that sometimes. 

[Anonymous]

If it was the time it would have said so it was a true denial it was 185 days plus