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Navy Federal Thread for CLI and Additional Cards

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Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@FicoMan27 wrote:
Do you care to share more specifics ? Orginal card and SL ? Cli amount ? 2nd card obtained ?

9/2018 - cashRewards $3K @ 11.4% (lowest)

12/2018 - asked for CLI to $7500 and got it, asked for CLOC of $500 the next day and got it instantly, asked for Platinum and after review, approved $7200 @ 7.99%
2/2019 - asked to convert cashRewards to More Rewards and reallocate limits your $2K More Rewards, $12,700 Platinum which was approved as well.  

I don’t remember what my FICO 9s were but they weren’t much better than my 8s. TU was at 647 when I got approved for the cashRewards and EQ was 670 when I asked for CLI and CLOC. Platinum TU had only gone to 652 for that approval. 



01/2019:
12/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 9761 of 11,260
Established Member

Re: Navy Federal Thread for CLI and Additional Cards

Thanks for your response. I guess I have a decision to make. 91/3 or 182/6 .
Message 9762 of 11,260
Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Not sure if this applies to CLI as well, but I was approved for a 2nd card 10 mo post bk7 discharge (Amex more rewards) at 91/3 after starting with the secured card.
More here:

https://ficoforums.myfico.com/t5/Bankruptcy/UNBELIEVABLE-NFCU-MoreRewards-lt-1yr-BK7-2nd-Card/m-p/55...
Message 9763 of 11,260
Senior Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@Saeren wrote:
Hmm... I requested a CLI yesterday and it went to review but I never got an HP and I don’t have any secure messages.

I wonder if the request just got lost? It’s always an immediate HP when you ask NFCU for anything. My bureaus are all back on ice today (I had a temporary lift on all 3 for my Capital One app yesterday) and I think I’m just gonna leave it alone.

Have 180 days elapsed since you either opened the account or had a CLI on the account?  

 

Navy's recent policy is to simply not process CLI requests that occur at less than 180 days.  So no hard pull, but you wouldn't get a secure message either.  Eventually you'll get an email declining the request and if you call the rep will tell you the request was not processed. 





Message 9764 of 11,260
Community Leader
Mega Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Yeah Navy is famous for auto ignore lol. You will eventually get a letter in mailSmiley Wink EventuallySmiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 9765 of 11,260
Regular Contributor

Re: Navy Federal Thread for CLI and Additional Cards

So no cli at 90 days at all or some still get ?

I am planing to apply for a second card next week I will be at 91 days hope this still is on
My TU Fico is 775 2 inq 2 years average age 2 AU cards and one navy my own card with $9600?
Message 9766 of 11,260
Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@MaizeandBlue wrote:

@Saeren wrote:
Hmm... I requested a CLI yesterday and it went to review but I never got an HP and I don’t have any secure messages.

I wonder if the request just got lost? It’s always an immediate HP when you ask NFCU for anything. My bureaus are all back on ice today (I had a temporary lift on all 3 for my Capital One app yesterday) and I think I’m just gonna leave it alone.

Have 180 days elapsed since you either opened the account or had a CLI on the account?  

 

Navy's recent policy is to simply not process CLI requests that occur at less than 180 days.  So no hard pull, but you wouldn't get a secure message either.  Eventually you'll get an email declining the request and if you call the rep will tell you the request was not processed. 


Monday was 183 days since my last CLI request, I made sure of that before I submitted the request. What may have messed things up though is the fact I PC’d the card in February and moved $5500 to the Platinum but I would think that would just screw with my CLI eligibility on the Platinum, not the More Rewards. 

It’s not a big deal, I added $18K in credit cards since Friday, I’ll just leave it alone and see if they auto me when the account hits 1 year in September. 



01/2019:
12/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 9767 of 11,260
Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@Jccflat wrote:
So no cli at 90 days at all or some still get ?

I am planing to apply for a second card next week I will be at 91 days hope this still is on
My TU Fico is 775 2 inq 2 years average age 2 AU cards and one navy my own card with $9600?

Plenty still get them at 91/3, they’re just not as guaranteed as they used to be. 



01/2019:
12/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 9768 of 11,260
Established Member

Re: Navy Federal Thread for CLI and Additional Cards

Wow awesome info . Hopefully I can have similar results. Only time will tell. Thanks for the response
Message 9769 of 11,260
Regular Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Saeren Whoever does get it is it sp?
Planing to do both next week what should I do first for the new card app or the cli? What order is best
Message 9770 of 11,260
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