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Navy Federal Thread for CLI and Additional Cards

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Valued Member

Re: Navy Federal Thread for CLI and Additional Cards

This week was my 1 year anniversary with NFCU.  In July of last year, I opened an account and apped for/received a Go Rewards ($700 SL).  I haven't received a CLI on it yet, although I did receive a Cash Rewards in October at 10K and an Auto Loan in Sept (11.5K).  I have mostly kept a $0 balance on the Go rewards all year, and I pay more on the Auto Loan than owed every month to pay it down faster.  I have sometimes carried a balance on the Cash Rewards (which is currently at 65% utilization).  I was watching all the success this week, and decided to go ahead and pull the trigger.  I requested a CLI to 10K for the Go rewards, and also apped for the Flagship.  Got the 24 hour review for both.  **Crossing Fingers and frantically checks the app every 2 minutes**


Message 10061 of 15,254
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Frequent Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@rdrarmy wrote:
@Jago22, against your recommendation I went ahead and submitted for a CLI for $25K on my $20K Platinum card and I ended up being countered for $23.5K. It appears that they used the same HP from earlier in the day for when I requested the CLI on my Cash Rewards because as of now I haven’t been alerted of an additional HP. I know I went against your recommendation, but I decided to roll the dice on it. Overall I am very happy with the outcome. Thank you Navy Federal for trusting me!

Thanks for the DP's, I also plan on trying to use 1 HP for a CLI on two cards next month. I figured it was possible.

 

Bless



Message 10062 of 15,254
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Valued Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@James_A wrote:


... Hoping for some SP love I tugged on the CLI Luv Lever & asked for a modest 7K CLI.

 

So far no HP. And now I wait while they review, patiently or not. 


The HP came. Alas, the CLI did not. 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/11/2020): FICO 08 EXP: 747; TU: 762; EQ: 782
2020 Goal Score: 760 across the board


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Message 10063 of 15,254
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Valued Member

Re: Navy Federal Thread for CLI and Additional Cards

@Df82 its totally possible as it is a confirmed 1 HP for 2x CLI requests on both of my cards on same day.

FICO 8 Starting Score: (2 DEC 17)

FICO 8 Current Score: (28 AUG 19)

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Hover over my cards to see my limits and utilization!
Message 10064 of 15,254
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Valued Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Questions:

I am on day 87 of my ridiculous $1k limit Cash Rewards.

I have not received my SUB and passed the requirement weeks ago.

I have had 3 statements.

Do they wait 90 days to pay the SUB even if you already passed the requirement?

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $400k unsecured credit in 2020.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

5% Rotating - Discover                         5%-20% - Amazon & Lowes                   3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl            4% Dining & Entertain - Savor               3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything - Flagship & Syncrony






Message 10065 of 15,254
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Community Leader
Mega Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Navy does not reuse hps. If you got one increase without it it was done by soft pull but not same hp from previous request.
Message 10066 of 15,254
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Valued Member

Re: Navy Federal Thread for CLI and Additional Cards


@Shooting-For-800 wrote:

Questions:

I am on day 87 of my ridiculous $1k limit Cash Rewards.

I have not received my SUB and passed the requirement weeks ago.

I have had 3 statements.

Do they wait 90 days to pay the SUB even if you already passed the requirement?


I had the same question with my GoRewards recently.  I called NFCU, the CSR informed me that the SUB would be issued when the first statement cut after the end of the SUB period.  For me it was a 90 day SUB period, my SUB showed up on my first statement following the 90 days. 

Message 10067 of 15,254
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Frequent Contributor

Re: Navy Federal Thread for CLI and Additional Cards

SUB comes on 4th statement.






Message 10068 of 15,254
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Community Leader
Senior Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Well one for two. Dhs account GR card hit 181 days, hit the CLI went under review (not a good sign in my experience) got the denial email a few hours later. Oh well, will wait for letter.

Either I was off by a day but I doubt I am very meticulous with dates and think of myself as a good counter😁 . So I think maybe he hit his internal max with them. His total creditlines are 62K combined and he has a 10K CLOC, we are virtually the same profile, of course same income and I sit at 65K creditlines and 15K CLOC.

 

So I think I will very happy with what NAVY has given with us and leave them beSmiley Happy

EXP 758 TU 783 EQ 729
Message 10069 of 15,254
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Frequent Contributor

Re: Navy Federal Thread for CLI and Additional Cards

I hit the sub on my CR as soon as I got it back in April.  Haven't got it yet though but I figured it's coming...but if it's 4th statement then that will be in 2 weeks, so we'll see.

Message 10070 of 15,254
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