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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

Reached my 92/4 full statements....applied for a CLI on my Go Rewards (currently at $1k; asked for $5k). I received the 24 hr message. Built up the nerve to apply for the More Rewards Amex. I was completely surprised to be approved for $20k!!!!!

 

Data point: 612 TU; my last collection has not come off yet, utilization at 10%, income $140k/yr with DD to Navy

 

Eq FICO - 556 - 6/20
Transunion FICO - 603 - 6/20
Experian FICO - 586 - 6/20
Message 14611 of 14,893
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Valued Contributor

Re: Navy Federal Thread for CLI and Additional Cards

@humanjukebox   Awesome Congrats!!!   Smiley Very Happy










Message 14612 of 14,893
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Epic Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@humanjukebox wrote:

Reached my 92/4 full statements....applied for a CLI on my Go Rewards (currently at $1k; asked for $5k). I received the 24 hr message. Built up the nerve to apply for the More Rewards Amex. I was completely surprised to be approved for $20k!!!!!

 

Data point: 612 TU; my last collection has not come off yet, utilization at 10%, income $140k/yr with DD to Navy

 


@humanjukebox, That is Awesome Super Duper Congratulations.gif

Message 14613 of 14,893
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Epic Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@NeverTubetheGoose wrote:

I was approved for an nRewards secured on 5/21/20 (I didn't even bother trying for anything else). I started with $1500 limit, which was increased to $3000 on 6/19. I maxed out the CL to $5000 on 8/27. I use it for all my spending, paying it off daily. I recently got an email saying it was almost review time. Fingers crossed for graduation soon.


"Fingers crossed for graduation soon." my-fingers-are-crossed-smiley-emoticon.gif

Message 14614 of 14,893
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Established Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@humanjukebox wrote:

Reached my 92/4 full statements....applied for a CLI on my Go Rewards (currently at $1k; asked for $5k). I received the 24 hr message. Built up the nerve to apply for the More Rewards Amex. I was completely surprised to be approved for $20k!!!!!

 

Data point: 612 TU; my last collection has not come off yet, utilization at 10%, income $140k/yr with DD to Navy

 


Congratulations on a massive approval!! 

I recently received mine, its been getting heavy spend. Its a great daily driver card and gotta get that SUB!!

Cheers to you!

NFCU More Rewards 20K CL
NFCU Cash Rewards 1500 CL
Discover IT 1000 CL
Capital One Quicksilver 500 CL (formerly Platinum)
Message 14615 of 14,893
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Established Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@NeverTubetheGoose wrote:

I was approved for an nRewards secured on 5/21/20 (I didn't even bother trying for anything else). I started with $1500 limit, which was increased to $3000 on 6/19. I maxed out the CL to $5000 on 8/27. I use it for all my spending, paying it off daily. I recently got an email saying it was almost review time. Fingers crossed for graduation soon.


We're all pulling for you!!
Good luck and keep us updated!!

 

NFCU More Rewards 20K CL
NFCU Cash Rewards 1500 CL
Discover IT 1000 CL
Capital One Quicksilver 500 CL (formerly Platinum)
Message 14616 of 14,893
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New Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@Bowiefan wrote:

@NeverTubetheGoose wrote:

I was approved for an nRewards secured on 5/21/20 (I didn't even bother trying for anything else). I started with $1500 limit, which was increased to $3000 on 6/19. I maxed out the CL to $5000 on 8/27. I use it for all my spending, paying it off daily. I recently got an email saying it was almost review time. Fingers crossed for graduation soon.


We're all pulling for you!!
Good luck and keep us updated!!

 


Thanks. I checked the prequal page and nothing but I'm in no rush.

 

Congrats and good luck to everyone else in this thread.

BK7 discharged 9/20/19 (lesson learned, some people aren't meant to be business owners and should stick to their day job, some people is me)




Capital Bank Secured: $1000 (7/1/19-12/18/19)
Credit One Platinum: $500 (10/8/19) CLIs $700 (1/16/20)
Ollo Platinum: $1500 (12/8/19) CLIs $1600 (1/16/20)
Merrick Platinum: $1100 (3/8/20) CLIs $2200 (10/6/20)
Mercury: $1500 (3/5/20)
NFCU nRewards Secured: $1500 (5/21/20) CLIs $3000 (6/19/20) $5000 (8/27/20)
In the garden until I prequal for one of the big three
Message 14617 of 14,893
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Valued Contributor

Re: Navy Federal Thread for CLI and Additional Cards

I remembered some info being posted on the board before about pinging NFCU and requesting that they remove the block for auto CLIs.  I took the liberty to reach out to them via SM and here's the exchange for anyone that is not aware.

 

Navy Federal Response 09/19/2020 :

Thank you for your eMessage, Mr. At your request we have unblocked the automatic credit limit increases. Your account will be reviewed monthly and, if it qualifies, your limit will be raised automatically. If you have further questions, please let us know.



Your Message 09/16/2020 : Good Evening,

Please unblock the Automatic Increase Review on my account. Thank you.

Message 14618 of 14,893
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New Contributor

Re: Navy Federal Thread for CLI and Additional Cards

This is great info. I wonder, if they do an account review and then automatic increase, are we still eligible to request and receive a CLI before 6 months, or does the review count as the one per 6 months?(obviously not counting the initial CLI we can request at 91/3)

Message 14619 of 14,893
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Established Member

Re: Navy Federal Thread for CLI and Additional Cards

Hey y'all. I discovered NFCU through the reccomendation of this board...

 

I started my journey a little less than a year ago with the following scores: TU 534 / EQ 534 / EX 546 BRUTAL!

 

I knew that it was time to fix my frickin credit!!

 

Since then, the following has happened for me:

-Settled the card I had with WF during college that had charged off. Had a $2300 limit. Paid 40% of the $2600 owed. Did that about 30 days ago.

-Paid both my Cap One cards Platinum ($400) + secured ($500) religously keeping util around 8-10%.

-Opened a Self lender loan, paid on time every time.

-I have 2x lates from 2019 on my Cap One Platinum card Smiley Sad Have not been able to goodwill those away.

 

Now, my scores are: TU 640 / EQ 642 / EX / 661! So lots of improvements Smiley Happy

 

Seeing as my scores had increased, I decided its time to open a NFCU card. I saw I was preapproved for the AmEx Rewards card. I applied but was only granted a $1k limit Smiley Sad

 

Any advice on getting a higher limit? Pumped for the $1k limit, but was for at least a few thousand more!

 

Either way, its the highest limit I now have by $500. Good stuff! Shout-out NFCU! I'm reading through this forum about CLI's strategy etc. Any advice for a newcomer to NFCU is welcome. Thanks fam!

 

Message 14620 of 14,893
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