Navy Federal Thread for CLI and Additional Cards

[Nayola]

With all of the SP's going around, I thought I'd try my luck.  I requested a CLI of $8,000 yesterday and was granted it, taking my limit from $17,000 to $25,000!  And I had all of my reports frozen at the time to boot.

[I_Love_Cards]

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@thornback wrote:

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@I_Love_Cards wrote:

Well color me shocked.  I think they upped my limit by $6k?

I requested an increase on my Amex More Rewards - which had a $10k limit (currently has a $3600 balance).  

I just logged in to see if they were wanting me to unfreeze anything-and my More Rewards now says it has $12,400 (of $10k?) available.  

If that's for real-then my limit is now $16k.  Sweet!  

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Yep.  That's a CLI -- congrats!!   

(Your account will fully update overnight and show $12.4K out of $16K available and you'll receive a confirmation email later - probably tomorrow) 

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Thank you!  I'm pretty shocked.  Thrilled, but shocked.  

I actually hope to move a lot of that new increase to my other NFCU card (which is at $2100 after a 3x increase in September). 

I'll wait for everything to settle then ask.  

[matchu]

Question about the 91/3 

My 91st day is 12/13 but my 3rd statement cuts on the 16th. Should I wait to apply for my second card until the statement hits? 

[thornback]

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@matchu wrote:

Question about the 91/3 

My 91st day is 12/13 but my 3rd statement cuts on the 16th. Should I wait to apply for my second card until the statement hits? 

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Yes. 

[aesl1982]

So my 91/3 was up on November 23rd had 3 statements but one was a 2 week statement. Got denied then for second card. 4th statement cut yesterday giving me 3 full statements and passed 91 now. Called in to apply. Usually I get the, you do not meet navy standards etc etc. today the rep didn’t use that verbiage but said , a decision wasn’t made automatically and I’ll get a letter 5/7 days explaining the decision. Sounds like a denial in different words than normal. Guess we will see

[Anonymous]

So after reading some of the comments about SP CLIs, I decided to try! I have two Navy cards, the cash Rewards (1K starting limit) and an AMEX (17K). I just got both of these cards this year. I was denied a CLI on the cash Rewards about three months ago.

All my reports are frozen. I just need a little more breathing room on the cash Rewards, so I only asked for 2K (a raise of 1K). With 17K on the other card I don't need more, but some places don't take AMEX and if I had a costly car repair bill or something...

It went into "review" but I just noticed that now my available limit is 2K! Presumably, SP because my reports are all frozen! YAY NAVY!!!

[Scupra]

Long time since I've submitted a CLI All I have been doing is grinding down the APR on my 2 cards. Figured my Platinum was only at $24k and needed to be topped off haha. Submitted the request, went pending and then I could see the increase in my accounts after about 20 minutes. Oh, just got a reduction to 8.49 as well. Gotta love NFCU

[Ivylicious1908]

Hello All,

I did a refi on one of my cars and received my letter of approval. Is the internal score located at the top of the page? Does it look like a credit score (three digits)?

[AllZero]

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@Ivylicious1908 wrote:

Hello All,

I did a refi on one of my cars and received my letter of approval. Is the internal score located at the top of the page? Does it look like a credit score (three digits)?

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I can't recall the starting range but it tops off at 450.

[Anonymous]

@CerebralZulu 

As @AllZero  mentioned, that has been the "trend" as of late, but honestly it really depends on your profile and usage/payment history with them.  Some get 3x, some get more.  If you have low DTI overall, and use it alot and make large payments then you could see more.