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Navy Federal Thread for CLI and Additional Cards

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Valued 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 flag SHIP you not🤯

Lol hard at that. 😂🤣

 

Mine are all on EQ. Navy loves pulling Equifax for me.


Message 10191 of 10,459
Super 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 flag SHIP you not🤯

Jeez I thought I was bad sitting at 5 between TU and EQ. I am losing one on each next month and it has me wondering if I should replace them. Smiley Wink


Scores 1/2019:
Scores 9/2019:

Hover over my cards to see my limits!
Goal cards: Does it look like I really need any more cards? My goal is to garden until 2/2020.
Message 10192 of 10,459
Member

Re: Navy Federal Thread for CLI and Additional Cards

Hi

I’m a newbie but I applied for a Navy FCU cash rewards card on June 24 2019 and was instantly approved for $5k. I think I’m hearing I need to wait 91 days and then I could apply for another card and a CLI, is that correct?

If so which card should I apply for to be my second?
What CLI should I request on my $5k cash rewards card.
How does the LOC tie into any of this and should I apply for all three (2nd card, CLI and new LOC)?
Message 10193 of 10,459
Community Leader
Senior Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Hi and welcome to MyFICO

 

At 91 days/3 statement cuts, you can request a CLI and you can ask for the max ($25K) because NFCU will counter or deny completely. Approval is based on their internal scoring and whether you’ve hit their max for your DTI. 

 

Only you know what your next card should be based on what you’re looking for—cashback or points. I suggest going to NFCU website and looking over what their cards have to offer in relationship to what you want and select one that fits your needs. 

 

I suggest not asking for a 2nd CC and a CLI at the same time. Request one, wait 6 months and then request the other. 

 

A CLOC is a checking line of credit. It’s tied to your checking account. CC use is more preferable than CLOCs because there’s a grace period with CCs and none with CLOCs. A CLOC is a great overdraft feature. 

GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 10194 of 10,459
Member

Re: Navy Federal Thread for CLI and Additional Cards

Wow such awesome advice thanks for taking the time to address my questions. I’m excited.
Message 10195 of 10,459
Community Leader
Senior Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@JRoc1 wrote:
Wow such awesome advice thanks for taking the time to address my questions. I’m excited.

Definitely be excited because you’ll see why the majority of us say, “NFCU rocks.”

 

Congrats. You’ve joined both a great forum and a great CU. 

GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 10196 of 10,459
Community Leader
Senior Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@TexasFamMan wrote:

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.


@TexasFamMan 

I can't say for 100% as i'm not Navy, but the biggest reason for a new card and no CLI, is that they gave you all the money you had on the table for the new card, so that there wasn't anything left to give for the CLI. We all have an internal limit/score that they don't tell us and that is what determines your ability with them. 




Message 10197 of 10,459
Community Leader
Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Lol @shoegal Equihack is my graveyard for Pendread, i Promise youSmiley Wink
#ChaseCreditCardHobby Enthusiast
Message 10198 of 10,459
Established Member

Re: Navy Federal Thread for CLI and Additional Cards

Hi Guys, does anyone know if Navy Federal also uses Equifax for student loan approvals?
Message 10199 of 10,459
Frequent Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@yoshi-ten1 wrote:
Hi Guys, does anyone know if Navy Federal also uses Equifax for student loan approvals?

I don't have an exact answer. From my understanding, they pull EQ for car loans, CLOC, CLI. 

Message 10200 of 10,459
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