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Navy Federal Thread for CLI and Additional Cards

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Regular Contributor

Re: Navy Federal Thread for CLI and Additional Cards

What’s my chance been approved for a third card with nfcu ?
My first card was approved March platinum
$20,600
90 days later went for the second card flagship 25k
Now in sep I will be 91 days from second do I have a shot for a third card with nfcu ?

TU is Fico 771
my Equifax does have a collection form a old SSI balance that was added recently
But to my luck it’s not on TU so I guess I am good for nfcu in this part .
1% utilization
DTI Zero
4 inq
Average age 2 years almost
I have also 2 AU cards all in good standing
And the 2 nfcu I own
Income 145k

Message 10181 of 10,545
Community Leader
Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards

With your income and previous high approvals, probably good. I think 80k is now max in total cc exposure so you still have some room. Good luck.
#ChaseCreditCardHobby Enthusiast
Message 10182 of 10,545
Regular Contributor

Re: Navy Federal Thread for CLI and Additional Cards

My wife's first NFCU card graduated in February and she's still at that credit line.  She was denied a CLI last month but was approved for a Cash Rewards card the same day.  Does the 91/3 clock reset when approved for a second card?  Would she be able to request a CLI on the first card?  If so is it a SP or a HP?

Message 10183 of 10,545
Community Leader
Senior Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@TexasFamMan wrote:

My wife's first NFCU card graduated in February and she's still at that credit line.  She was denied a CLI last month but was approved for a Cash Rewards card the same day.  Does the 91/3 clock reset when approved for a second card?  Would she be able to request a CLI on the first card?  If so is it a SP or a HP?


IME, the card are independant of themselves so a new card or CLI does not effect the other cards you have.  She should still be able to request a CLI and always expect the HP and be surprised if it's SP but it's usually not.  Navy loves their HP's 




Message 10184 of 10,545
Community Leader
Senior Contributor

Re: Navy Federal Thread for CLI and Additional Cards

@TexasFamMan 

 

What were the reasons for the denial? 

Message 10185 of 10,545
Community Leader
Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards

I hate Navy! I think my TU has like 7 or 8 hps from them lol. I flag SHIP you not🤯
#ChaseCreditCardHobby Enthusiast
Message 10186 of 10,545
Valued Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@AverageJoesCredit wrote:
I flap SHIP you not🤯

That was epic...  touche' good sir!



Message 10187 of 10,545
Established Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@AverageJoesCredit wrote:
I hate Navy! I think my TU has like 7 or 8 hps from them lol. I flap SHIP you not🤯

😂😂 No kidding!!  My EQ and TU are riddled with Navy pulls.  At least they are usually worth it lol




In the garden until 2020
Message 10188 of 10,545
Community Leader
Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Lol, was supposed to say flag, not flap but glad yall got the refSmiley Wink
#ChaseCreditCardHobby Enthusiast
Message 10189 of 10,545
Regular Contributor

Re: Navy Federal Thread for CLI and Additional Cards

If I remember right the main denial was the BK and the util amount.  Still odd that they approved her for a new card and not a CLI.

 

I had her try again this morning and she got the 24 hour message.

Message 10190 of 10,545
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