Navy Federal Thread for CLI and Additional Cards

[Anonymous]

@spaghetti21 welcome to the forum!

So that you get a complete answer, we will need some more data points. 

> Fico scores

> Number of inquiries

> How long have you had your first Navy card? SL and most recent CLI?

>AAOA

>Overall utilazation (Navy and across all cards)

>Any current baddies?

>Feel free to give us a snapshot of any/all things that may be relevant to what got you to where you are today with your credit.

The more info you can give us to work with the better!! 

[Anonymous]

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@Anonymous wrote:
Thanks everyone!!! My TU score is 718, <10% UT and what is AAOA?

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It's the Average age of your accounts. 

[peghede]

Just pif navy back all 3 within 30 days. 15k clock ,22k one card ,23k second card. 60k charged and 60k paid back.

Navy have the cash and the cojone they didn't spook for a second on me..

[steelers1]

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@peghede wrote:

Just pif navy back all 3 within 30 days. 15k clock ,22k one card ,23k second card. 60k charged and 60k paid back.

Navy have the cash and the cojone they didn't spook for a second on me..

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Isn't it nice to have a SOLID lender like NFCU?

[Anonymous]

once you go into 24 hour status, lets say they pull your credit and you are approved, does it still take overnight for the credit card to reflect any increase?

[sdsoccerdad]

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@Anonymous wrote:

once you go into 24 hour status, lets say they pull your credit and you are approved, does it still take overnight for the credit card to reflect any increase?

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It should it display on your NFCU account pretty quickly.

[Anonymous]

So this is only my second post on the myFICO forums, but I've been having some nice strides lately thanks to all of you guys' insight and motivation so I figured I'd share!

Most recently (3/21/17), I got an instant approval on membership and a Cash Rewards CC ($1700 SL; my largest to date) with NFCU. My dad was in the Army, so that's how I got in.

At the time my scores were around TU 658 EX 623 EQ 596. I also applied for the 15k CLOC and found out I was denied via mail about a week or so later.

I'm currently at TU 659 EX 660 EQ 653 and today I decided to apply again for the CLOC, but only asked for a much more modest $2k and I was conditionally approved, I just need to send in my paystubs to verify my income. 

I'm ecstatic to be a part of such an amazing CU and can't wait to start seeing my accounts grow! 

My questions are:

1. I've been scouring this thread, and my apologies if this has been answered but, how to CLI's work on the CLOC? 

Same rules as CC?

2.Also, would you suggest I wait to request a CLI on my CC until September (6 months from my approval) or try for the 3 month 3 statement cut rule?

Special thanks to @Creditaddict for being such a huge help to so many people!!

Oh and when I started rebuilding (October '16) my scores were: TU 601 - EQ 602 - EX 580

[Anonymous]

Mine always shows as a change in available credit a day or so before it shows as total CL.  Not sure why but that is how it has always worked for my accounts and my wifes.

[oldman425]

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@Anonymous wrote:

So this is only my second post on the myFICO forums, but I've been having some nice strides lately thanks to all of you guys' insight and motivation so I figured I'd share!

Most recently (3/21/17), I got an instant approval on membership and a Cash Rewards CC ($1700 SL; my largest to date) with NFCU. My dad was in the Army, so that's how I got in.

At the time my scores were around TU 658 EX 623 EQ 596. I also applied for the 15k CLOC and found out I was denied via mail about a week or so later.

I'm currently at TU 659 EX 660 EQ 653 and today I decided to apply again for the CLOC, but only asked for a much more modest $2k and I was conditionally approved, I just need to send in my paystubs to verify my income. 

I'm ecstatic to be a part of such an amazing CU and can't wait to start seeing my accounts grow! 

My questions are:

1. I've been scouring this thread, and my apologies if this has been answered but, how to CLI's work on the CLOC? 

Same rules as CC?

2.Also, would you suggest I wait to request a CLI on my CC until September (6 months from my approval) or try for the 3 month 3 statement cut rule?

@Special thanks to @Creditaddict for being such a huge help to so many people!!

Oh and when I started rebuilding (October '16) my scores were: TU 601 - EQ 602 - EX 580

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I asked for a cli on the 91st day and went from $1K to $14K.  I'm not sure about the CLOC, sorry.

[Creditaddict]

The CLOC is a hard pull and you find the increase option after you go in like you are applying for a new line. Then on the following page it will ask if this is a new line or an increase of existing and show you the max you can ask for.  I usually see success in going to the full $15k after the first CLI you receive on your credit card.