Navy Federal Thread for CLI and Additional Cards

[AllZero]

@M_Smart007  Congratulations on your CLI!

[TheFIGuy]

@M_Smart007 Congrats on CLI

I can provide the only possibly useful DP's I went to $29k from $25k CL on my Cashrewards Card without a POI request. I haven't tried my Platinum card yet as it's not up yet.

The extremely quick scan seems most of us went past $25k without POI on our Cashrewards cards, not Platinum cards. I wonder if NFCU has different CLI lending requirements for these two different cards.

[newmomnewme]

Congrats @M_Smart007  Nicely done. If they say yes, I'll send them whatever they need 💰😂😂😂

[M_Smart007]

Thanks @AllZero , @newmomnewme & @TheFIGuy 

[M_Smart007]

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@TheFIGuy wrote:

@M_Smart007 Congrats on CLI

I can provide the only possibly useful DP's I went to $29k from $25k CL on my Cashrewards Card without a POI request. I haven't tried my Platinum card yet as it's not up yet.

The extremely quick scan seems most of us went past $25k without POI on our Cashrewards cards, not Platinum cards. I wonder if NFCU has different CLI lending requirements for these two different cards.

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My Corporation starts with my last name, so they assume "self employed" or treat it as such.

[TheFIGuy]

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@M_Smart007 wrote:

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@TheFIGuy wrote:

@M_Smart007 Congrats on CLI

I can provide the only possibly useful DP's I went to $29k from $25k CL on my Cashrewards Card without a POI request. I haven't tried my Platinum card yet as it's not up yet.

The extremely quick scan seems most of us went past $25k without POI on our Cashrewards cards, not Platinum cards. I wonder if NFCU has different CLI lending requirements for these two different cards.

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My Corporation starts with my last name, so they assume "self employed" or treat it as such.

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Copy that! Well, when Jan. 1st, 2021 April 1st, 2021 (miscalculation) comes rolling around I'll update how mine went.

[cashorcharge]

That's awesome @M_Smart007 

Congratulations on that new limit!!

PS..hope your foot is okay 🦶🏼

[OmarGB9]

Did I mess up? I forgot the order for new app/CLI to be honest, but anyway, I apped for a More Rewards (and was approved! Albeit for only $1k) card. I tried asking for a CLI online on my secured nRewards afterwards, but it said it was unable to process and to call their customer service number. Did I mess up?

Is a $1k Navy approval borderline kinda like an Amex $1k approval? Is bucketing a thing with Navy? Will it still grow quickly?

Thanks in advance to any answers.

[Anonymous]

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@OmarGB9 wrote:

Did I mess up? I forgot the order for new app/CLI to be honest, but anyway, I apped for a More Rewards (and was approved! Albeit for only $1k) card. I tried asking for a CLI online on my secured nRewards afterwards, but it said it was unable to process and to call their customer service number. Did I mess up?

Is a $1k Navy approval borderline kinda like an Amex $1k approval? Is bucketing a thing with Navy? Will it still grow quickly?

Thanks in advance to any answers.

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You can't ask for a CLI on the nRewards unless it has unsecured - if you want to increase the credit limit with an additional deposit, you can do that, but I don't know specifically how that works.

Congrats on your approval and as for the bucket, there are some cards that seem to grow slower than others but SL isn't necessarily indicative of that beyond the natural slow down from them not granting more than 3X most of the time. 

[Anonymous]

Question: 

I am very new to this forum (I was told by a friend about it).

I applied for a CLI for my more rewards card on 12-2-2020. SL was 3k. I put in 10k for request (had no reference for what to ask for). Checked 2 days later and I was increased to 5.5k.

Did I mess up by not applying for 2nd card 1st? When could I apply for 2nd card? I have learned my reading this forum all day that I should have done 2nd card app 1st then done CLI on 1st but lesson learned. Can I apply for 2nd (score updated on 12-4 on app to 697) or do I have to wait for the 6 statements?