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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

/edit - Answered my own questions via searching, but if anyone has any thoughts or tips about it beyond APR reductions (which is no) or CLI (which is yes) I'd love to hear them, you guys are the best informed about Navy and have always been amazing and helpful.

 

Hi guys,

 

Quick question!

 

I applied for a CLOC and requested 15k, I was counter offered $500 (which is absolutely fine, I expected it)

 

You can't request an APR reduction on it in time when your profile gets stronger, can you?

 

How do CLIs work on the CLOC too? Same as the CCs, every six months?

 

I haven't decided if I'll accept it yet

 

 

Message 11001 of 11,296
Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@omgitsMatt wrote:

/edit - Answered my own questions via searching, but if anyone has any thoughts or tips about it beyond APR reductions (which is no) or CLI (which is yes) I'd love to hear them, you guys are the best informed about Navy and have always been amazing and helpful.

 

Hi guys,

 

Quick question!

 

I applied for a CLOC and requested 15k, I was counter offered $500 (which is absolutely fine, I expected it)

 

You can't request an APR reduction on it in time when your profile gets stronger, can you?

 

How do CLIs work on the CLOC too? Same as the CCs, every six months?

 

I haven't decided if I'll accept it yet

 

 


No, the APR you're given will be there for the life of the CLOC. 

 

I don't know on the CLI for the CLOC, as I've never asked for one on mine. 






Message 11002 of 11,296
Member

Re: Navy Federal Thread for CLI and Additional Cards

Yes.  I did it.  I had credit limits of $3K, $25K and $33K and combined into single card of $61K.

Message 11003 of 11,296
Community Leader
Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@Adkins wrote:

@omgitsMatt wrote:

/edit - Answered my own questions via searching, but if anyone has any thoughts or tips about it beyond APR reductions (which is no) or CLI (which is yes) I'd love to hear them, you guys are the best informed about Navy and have always been amazing and helpful.

 

Hi guys,

 

Quick question!

 

I applied for a CLOC and requested 15k, I was counter offered $500 (which is absolutely fine, I expected it)

 

You can't request an APR reduction on it in time when your profile gets stronger, can you?

 

How do CLIs work on the CLOC too? Same as the CCs, every six months?

 

I haven't decided if I'll accept it yet

 

 


No, the APR you're given will be there for the life of the CLOC. 

 

I don't know on the CLI for the CLOC, as I've never asked for one on mine. 


@omgitsMatt 

+1   Once you have that APR you will always have that APR, but since you didn't get the max of 15k for the CLOC, you can wait till your profile improves and app for another one which could have a lower APR.    I had the Navy rep explain that one to me awhile ago, so not sure if it can still be done, but it's nice option to have so your not technically stuck with a high APR.  Not sure if you can combine them like the card either tho. 






Message 11004 of 11,296
Frequent Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Apparently due to my geographical location, Uber's merchant code is different and I will not receive 3x for transit. Bummer. 

 

However, I am getting 3x for Gpay transactions- no idea why- but okay! 


Paid-off Installment Loans:
2018:
2019:
Message 11005 of 11,296
Valued Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Got my Flagship to 74K!

Inching ever closer to the 80k max!

2020 will be the year. I can feel it.

Running 15-25k through it monthly. It's my expense card and personal daily card.

Use my USAA 5% Amex for gas.

Both of these cards post rewards fast. I generate rewards so fast on the NFCU card that the minimum redemption level is but a mild annoyance

NFCU Flagship 74k-United Plus Explorer-50k-QS 25k-Avianca 28.8k-Cabelas 24k-Lowes 35k-USAA Amex 32k-FNBO Plat 31k-Numerous others at 20k and below
Message 11006 of 11,296
Regular Contributor

Re: Navy Federal Thread for CLI and Additional Cards

I got my secured n rewards card on August 23rd, my 91/3 is on November 24th I believe. Getting ready to pull the trigger for a second card. Nervous hoping I get it and a nice SL. I’ll def try the prequal tool.
Discover it miles 9/19 Sl 5000 | Care Credit 9/19 SL 3500 | Cap 1 QS 4/14 AU 500 | Cap 1 QS1 4/14 AU 600 | NFCU Secured 8/19 200 | NFCU CLOC 9/19 500 | NFCU auto 10/19 6.29 66k | NFCU Auto 4.9% 37k
Experian- 702
Equifax- 676
Transunion- 611
Util- 9%
Message 11007 of 11,296
Valued Member

Re: Navy Federal Thread for CLI and Additional Cards

@aesl1982 Friday was my 91/3, I called and asked about prequal and they said I had nothings showing on my account. I pulled the trigger anyways and was approved 15k more rewards.
Starting Score: 543
Current Score: 649
Goal Score: 700


Take the myFICO Fitness Challenge
Message 11008 of 11,296
Regular Contributor

Re: Navy Federal Thread for CLI and Additional Cards

That’s good to know, thanks for the info. I’m going from a secured card as my first hoping for a unsecured with them. I don’t know if that matters. I need to count the calendar to make sure it’s the 24th and not a couple days sooner lol
Discover it miles 9/19 Sl 5000 | Care Credit 9/19 SL 3500 | Cap 1 QS 4/14 AU 500 | Cap 1 QS1 4/14 AU 600 | NFCU Secured 8/19 200 | NFCU CLOC 9/19 500 | NFCU auto 10/19 6.29 66k | NFCU Auto 4.9% 37k
Experian- 702
Equifax- 676
Transunion- 611
Util- 9%
Message 11009 of 11,296
Valued Member

Re: Navy Federal Thread for CLI and Additional Cards

Good luck
Starting Score: 543
Current Score: 649
Goal Score: 700


Take the myFICO Fitness Challenge
Message 11010 of 11,296
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