Navy Federal Thread for CLI and Additional Cards

[rmduhon]

Pulled the trigger for my mom's Cash Rewards on the first, went to review. Not a big deal. I checked a couple of times yesterday and nothing. Looked on CK this morning, no HP's from NFCU on either TU or EQ. So I decided to try again. Apparently, the request never actually went thru. Instant CLI from 1,200 to 7,500. Apped for a GoRewards card, it's in review.

700+ scores, UTI ~25%, clean reports, AAoA is about 1 year, income 25,000. Not really monitoring her scores anymore

[Anonymous]

If I just opened my card up two weeks ago should I even attempt a CLI using mays AR?

[Anonymous]

No! NFCU is 90 days 3 statements before first CLI. Also ideal and suggested to wait for a fresh AR as well.

[Blackswizz750]

Went for my 90 day CLI and I was granted with 10K instant approval. My util is about 30%, income isnt that much, mine is 54K(didnt include DW). I am happy, this is the highest limit I ever had thus far.  I may do a BT if the zero come up!!

[Anonymous]

Looks like I'll wait the 90 days lol. I've been heavily using this card and immediately paying it off so I'm hoping a nice increase at 91 days

[Cbush83]

You guys having me itching to pull the trigger.. This will be my first increase since 2012. I called NavyFederal and a representative told me the only time my account is reviewed is when the statement cuts on the 3rd. So, I'm leary about asking for the increase even though you all said the AR has been done already. I didnt see it on any of my reports.. So I am waiting on pins and needles. I honestly think its going to be a HP just its been so long since i've asked for an increase.

[rmduhon]

Just got a text from NFCU saying mom was approved!! Unfortunately, it didn't say how much she was approved for so we'll have to wait until the account (or card) shows up.if I remember correctly, it'll show on her accounts before the card gets here. I think she paid the $12 FedEx shipping fee before she got her Cash Rewards card.

[Anonymous]

$ 2k --> $10k --> $14k

While not the biggest jump, it was a Soft Pull post AR.

I requested the MAX, and was offered the $4k increase. While not ecstatic at the response, of course I gladly took it.

For my first request, I waited a full four months to provide a margin of error. I went from $2k to $10k.

Having to wait a full six months / 180 days for the 2nd/  follow-on CLI, it was my intent to wait until 181 days so that my math was correct, and any margin of error was in my favor.

* the upside here is that all of this has occurred "less" than One Year from Ch 13 Bk discharge.

I mention this for two reasons, one as a data point. Second to uplift the spirits of anyone in a situation similar to myself.

As always, YMMV.

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Sebastian503 wrote:    11-01-2016 11:19 PM

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Selected: Full Amount button

Submitted request

Response was immediate but quite anti-climatic as I had to look and see what happened.

* No Flashing Lights, Sirens, or parting of the Red Sea

Searched around after seeing that my request was "approved". 

Eventually saw it in normal sized text, as if it was just an additional sentence in a paragraph.

Increase from $2,000 to $10,000

Go Navy ! ! !

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http://ficoforums.myfico.com/t5/Credit-Cards/NFCU-November-AR/m-p/4783873#M1391987

[Aduke1122]

Congrats everyone on all the successful CLIs

[Anonymous]

So i pulled the trigger last night around 3am and hit NFCU up for my first CLI increase after three statements and 90 days and requested max. I didn't get the instant approval or counter but instead got the 24 hour wait message. I kept checking my account all day to see if I had a message or a limit increas and didn't get either until about 3am this morning. So when they say 24 hours I guess they mean it. Anyway onto the good stuff. I didn't get the $25k max, but thats okay and I wasn't expecting it, but I am very happy with the bump I did get. I went from $5500 to $16k on my first CLI. Thanks for all the info on this thread. It gave me the confidence to pull the trigger.

Also congrats to all the other people here that are getting nice CLI's as well.