Navy Federal Thread for CLI and Additional Cards

[OmarGB9]

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@Mr_Mojo_Risin wrote:

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@OmarGB9 wrote:

Well my secured card generated its 8th full statement, and still hasn't graduated. 😕

On the plus side, I requested the 4k COVID increase on my MR Amex, and was approved, but only for $1k. So my CL went from $1k -> $2k. Small win, but I'll take it!

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Congrats on the CLI!

My Cash Rewards started at 500. At 91/3 it went to 1500 and 6 months later to 4K. It seems once limits reach 1.5K-2K then the larger increases start to show. I've noticed that with some other members as well.

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Good to know! Hopefully my MR will grow quickly from now on!

And thanks for the congrats!

[Anonymous]

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@Anonymous wrote:

Maybe a silly question here, but how does everyone gauge how much of a CLI to request when requesting? Will they always counter, so shoot for the sky or keep it within what you personally think is achievable? 

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Ask for $25K. They'll generally never give more than 3X or $4K, whichever is lower, but it doesn't hurt anything and last year when the pandemic started they were actually granting the full amount asked for which is how AJC got his cashRewards to $25K. 

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Navy-done-gone-lost-their-mind/td-p/5974881

That $4K COVID cap can disappear any time so just shoot for $25K since beyond that they may ask for POI. 

[Anonymous]

Oh gosh, my profile doesn't support a 25K CLI, they'll laugh at me 🤣 

When the time comes I think I'll just ask for 10K, current limit is only $1K. Thanks @Anonymous 

[spiritcraft1]

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@spiritcraft1 wrote:

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@Anonymous wrote:

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@spiritcraft1 wrote:

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@Anonymous wrote:

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@spiritcraft1 wrote:

I can't recall...  if denied for a CLI due to max unsecured, does that reset the 181 day clock?  I am wondering as I have a card that is eligible as of today.

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Nope, no clock reset. Wait for 183 days though. Its pretty much never 181 days, 183 minimum. They are likely going by half of a year in days which would be 182.5 = 183 rounded up.

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Thank you.  I have a spreadsheet that is set to 184 to be safe.  I was just approved for a card Saturday and had the limit recon'd today.  I suspect I will get the max unsecured but I suppose I will test my luck.  If it isn't approve, I'll wait a month.  Thanks again!

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Good luck! 🍀🤞

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I just did it...  I think.  I got the "were working on getting the website..." after hitting done.  I think that has happened before and the CLI request was actually sent.  We will see in a day or two, or three.

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What a difference a week makes.  Approved for the 4k increase I asked for.  I had sent that successful SL recon for my CB card and now NFCU seems to really like me.  I didn't think I would get this CLI after that big approval this week but they gave me the full Covid CLI.

[M_Smart007]

@spiritcraft1, Congratulations on your $4K CLI !

[M_Smart007]

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@Anonymous wrote:

Oh gosh, my profile doesn't support a 25K CLI, they'll laugh at me 🤣 

When the time comes I think I'll just ask for 10K, current limit is only $1K. Thanks @Anonymous 

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@Anonymous,

If your current credit limit is $1K, they will probably only increase it to $3K.

But it does not hurt to ask for $10K.

[Anonymous]

Ok, I just don't want to ask for one amount, it be too much and not get anything  

[Anonymous]

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@Anonymous wrote:

Ok, I just don't want to ask for one amount, it be too much and not get anything  

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I had the same concern but I got over it. I have $27.5K between two cards with an upper $18K income. My last CLIs were both $4K despite already being over my income. Shoot for the moon

[Jordan23ww]

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@Anonymous wrote:

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@spiritcraft1 wrote:

I can't recall...  if denied for a CLI due to max unsecured, does that reset the 181 day clock?  I am wondering as I have a card that is eligible as of today.

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Nope, no clock reset. Wait for 183 days though. Its pretty much never 181 days, 183 minimum. They are likely going by half of a year in days which would be 182.5 = 183 rounded up.

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@Anonymous  183 days? Is this a recent change? I ask because so far I've successfully gotten 3 CLI at 181 days.  I'm due for my 4th one today. I guess if I need to wait 183 days now it is only another 2 days.  

[Anonymous]

Hi everyone,

Everyone here is awesome!  I've been reading these forums for over a year and following your advice to a T.  Thank you so much.  At this point it would be selfish not to share my DP. 

I was just approved for a Flaglship Rewards card with a $25,000 SL!!!!   I started off being denied for a Cashrewards card in September of 2020.  I immediately applied for a secured nRewards card with a limit of $300 and was approved. At the time I also had a Cap1 Quicksilver One card with a $2,600 CL.  

On aprox 10 FEB 2021 I was upgraded to a CashRewards card with $2,000 CL. My 3rd statement was cut on 8 May 2021 (yesterday) and today the long anticipated moment of truth had finally arrived.  Following everyone's advice I applied for the Flagship Rewards card (best fit for my current spending) before applying for a CLI on my CashRewards card.  I was immeditely approved with a $25,000 SL and 9.99% APR.  I can't believe it!! Both the CL and APR are better than I had even hoped for.  My Cap1 QS1 has an APR of 24.49% and my CashRewards has an 18% APR.  

Since being approved for my nRewards and ever since it was upgraded to a CashRewards I have never left a balance on my card.  I don't even leave a balance come report date so utilization always shows as 0% even though I was typically spending $1,500-$2,200 per month.  I know some suggest it's smart to leave a small balance, and they are probably right.  I just felt more at ease not doing so. 

Current Credit Scores:

Experian: 665 (just dropped 20 points a week ago for a currently undiscernable reason)

NFCU FICO 9: 689 (also dropped 20 points a week ago)

Transunion: 708 (down 9 points do to the inquiry from above)

Thanks again for everything!  Yall are amazing.  I'm not sure where I would be without all your help!