Navy Federal Thread for CLI and Additional Cards

[M_Smart007]

"SP" online or cell phone APP.

[Jordan23ww]

So far every single limit increase with Navy Federal was a soft pull for me and my wife, 5 total.  We always do them either on the app or website.  I've heard if you call in and actually speak with a rep that's when it's a hard pull. 

[LakeLife]

My recent CLI with them was a SP.

[oorhett]

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@oorhett wrote:

My DW NFCU CashRewards was opened 11/04/20 with an SL of $1000 we weren't very good at staying on top of requesting her CLI on 91/3 so she requested it just a week or so ago. Declined! "You have reached ...Maximum unsecured credit limit". 

Her credit score on the letter was 789. 

I was pretty surprised, however when I looked at her account I found that the card was over its limit by about $20 when the CLI was requested. I am guessing this is the actual reason for the denial.  

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So DW 7th Statement cut yesterday on her cashRewards Visa. Planning a famly trip and needing a bigger limit card decided to app for the More Rewards card today. Prequal site showed her approved so we went for it. Auto approved for $11,000 at 12.99%! Too bad the SUB went down, now only $100 instead of $250 but may consider product change to Flagship for travel anyway. 

Decided to try again on the CLI on her cashRewards requested $10,000 got the 24hr notice it is currently showing a $1.03 credit and put about $184 on the card in the past month. 

[Anonymous]

Congrats on her approval!! Keep us updated about the CLI 😁

[Jordan23ww]

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@oorhett wrote:

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@oorhett wrote:

My DW NFCU CashRewards was opened 11/04/20 with an SL of $1000 we weren't very good at staying on top of requesting her CLI on 91/3 so she requested it just a week or so ago. Declined! "You have reached ...Maximum unsecured credit limit". 

Her credit score on the letter was 789. 

I was pretty surprised, however when I looked at her account I found that the card was over its limit by about $20 when the CLI was requested. I am guessing this is the actual reason for the denial.  

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So DW 7th Statement cut yesterday on her cashRewards Visa. Planning a famly trip and needing a bigger limit card decided to app for the More Rewards card today. Prequal site showed her approved so we went for it. Auto approved for $11,000 at 12.99%! Too bad the SUB went down, now only $100 instead of $250 but may consider product change to Flagship for travel anyway. 

Decided to try again on the CLI on her cashRewards requested $10,000 got the 24hr notice it is currently showing a $1.03 credit and put about $184 on the card in the past month. 

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Congratulations on DW's More Rewards approval! Best wishes on the limit increase request!

[Anonymous]

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@Jordan23ww wrote:

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@oorhett wrote:

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@oorhett wrote:

My DW NFCU CashRewards was opened 11/04/20 with an SL of $1000 we weren't very good at staying on top of requesting her CLI on 91/3 so she requested it just a week or so ago. Declined! "You have reached ...Maximum unsecured credit limit". 

Her credit score on the letter was 789. 

I was pretty surprised, however when I looked at her account I found that the card was over its limit by about $20 when the CLI was requested. I am guessing this is the actual reason for the denial.  What statment had cut when you were denied. What was your credit score at that time. Do you bank with NFCU, do you have direct deposit?

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So DW 7th Statement cut yesterday on her cashRewards Visa. Planning a famly trip and needing a bigger limit card decided to app for the More Rewards card today. Prequal site showed her approved so we went for it. Auto approved for $11,000 at 12.99%! Too bad the SUB went down, now only $100 instead of $250 but may consider product change to Flagship for travel anyway. 

Congrats on the new card and the big SL.

Decided to try again on the CLI on her cashRewards requested $10,000 got the 24hr notice it is currently showing a $1.03 credit and put about $184 on the card in the past month. 

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Congratulations on DW's More Rewards approval! Best wishes on the limit increase request!

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[Anonymous]

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@Jordan23ww wrote:

So far every single limit increase with Navy Federal was a soft pull for me and my wife, 5 total.  We always do them either on the app or website.  I've heard if you call in and actually speak with a rep that's when it's a hard pull. 

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I think it is so weird that they do a HP when you get a person to help. Maybe its some form of automatic system that bypasses the human intervention that requires a hard trigger when requesting increase in limits. I don't know just sayin.

That news is awesome though.

[Anonymous]

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@MickeyGMoney wrote:

I've seen a lot of very recent posts here state that Navy now does soft pulls if you request a CLI online. I'm wondering still whether it's soft or hard. Their site (https://www.navyfederal.org/resources/articles/personal-finance/credit-limit-increase.html) says "it will create a 'hard inquiry' on your credit history."

Is it 100% soft pull to request a CLI online?

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Great question, I wonder if it is a pandemic thing. Reading the post, I have only seen SP of late.

[Anonymous]

So here is my profile before I request second NFCU CC and CLI on first card.

I have a SSL that started out at $3,500 but is now paid down to $285 on auto pay for $10 per month from external account.

661 TU, been a NFCU member for 3 months. I keep 5 digit savings with them.

I have 3k cash rewards, the first month before they reported to cra's I had $486 balance. I regulary charge $4,500 per month but payoff five days before closing statment. So always starts out fresh with zero balance.

I have Total Credit Limit of $4,200 between all my cc, but only a 3 dollar balance left on one of my cards. I do use all of my cards each month but I have paid all four down to zero each month except for 2 months out of the 10 months that I have had the cards.

My question is will that be frowned upon because I never carry balances? Will it hurt my chances of a second NFCU cc?