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Navy Federal Thread for CLI and Additional Cards

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Frequent Contributor

Re: Navy Federal Thread for CLI and Additional Cards

When is the earliest I could go for a third card?

First card opened mar 21 $9.600
Cli on June 21 to $20,600
And second card 25k
TU Fico 773
Navy is my only cards besides 2 AU cards I also have
Message 10041 of 14,873
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Contributor

Re: Navy Federal Thread for CLI and Additional Cards

91/3 after the 2nd card. I did try that though and had to wait til 6 months after my 2nd to get approved for 3rd(but it was a Flagship)
Message 10042 of 14,873
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Frequent Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@Jccflat wrote:
When is the earliest I could go for a third card?

First card opened mar 21 $9.600
Cli on June 21 to $20,600
And second card 25k
TU Fico 773
Navy is my only cards besides 2 AU cards I also have

Sept. 21st



Message 10043 of 14,873
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Valued Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@FicoGuy2019 wrote:

@Saeren wrote:

Well I guess my APR request is waiting til next month. Somehow my EQ9 dropped from 695 to 673. I don’t know why but my EQ9 is the most unpredictable score I have. 8s will stay within a 10 point range (my over 10 point drop was losing AoOA >10, fluctuations are minimal otherwise), EQ9 has about a 30 point spread. 


Keeping my fingers crossed for you...I know being patient can be the hardest thing.


Being patient can be a very hard thing. I was patient on my 3rd card, not giving it two thoughts, right up until the moment earlier this morning when I stopped being patient. Hoping for some SP love I tugged on the CLI Luv Lever & asked for a modest 7K CLI.

 

So far no HP. And now I wait while they review, patiently or not. 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (09/16/2020): FICO 08 EXP: 747; TU: 758; EQ: 775
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 10044 of 14,873
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Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@Df82 wrote:

@Jccflat wrote:
When is the earliest I could go for a third card?

First card opened mar 21 $9.600
Cli on June 21 to $20,600
And second card 25k
TU Fico 773
Navy is my only cards besides 2 AU cards I also have

Sept. 21st


September 20th actually as long as three statements have cut by then as well. 




Message 10045 of 14,873
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Frequent Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@Saeren wrote:

Well I guess my APR request is waiting til next month. Somehow my EQ9 dropped from 695 to 673. I don’t know why but my EQ9 is the most unpredictable score I have. 8s will stay within a 10 point range (my over 10 point drop was losing AoOA >10, fluctuations are minimal otherwise), EQ9 has about a 30 point spread. 


FICO9.PNGFICO8.PNG

I've also noticed my EQ-09 seems to have the widest range. The last few months it has been a rollercoaster.

 

Not a lot changed in my profile. I looked through my statements. I normally let a <10% balance get reported on all 3, now 4, of my cards.
Looks like Capital One autopay still goes through even if I manually pay after the statement cuts. So I alternate between reporting $0 and $2. Leads me to believe that EQ-09 is particularly sensitive to how many cards report balances. 

 







Message 10046 of 14,873
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Established Member

Re: Navy Federal Thread for CLI and Additional Cards

 

Does NFCU have "months since last baddies" when applying for CLI? I have some but are 18-24 months old. I've requested a CLI a couple months ago which was declined for having baddies. I'm wondering if they have like a 36 or 48 months since policy or something like that.

 

Really do not know if anybody knows this. I was / am confused that I have an under 4% UTIL, and NFCU still have on top, too high util.

 

As for baddies, I think a lot of it depends on the amount. Unless you messed up like me and callanged them at about 5 yrs, then they all moved up on the list. My CR dropped 35 +/- after the challange/review. [5 cards, < $900, went to charge off].

Equifax – SECU FICO 8 & NFCU FICO 9 = 691 average.

Experian – Fingerhut FICO 8 & Experian FICO 8 = 691 average.

Transunion – Discover FICO 8 & AmEx Fico 8 = 689 average.

All Vantage Score 3.0 averages/9 sites = 702 average.

All the above FICO are free credit scores. Vantage is nine free scores average.

Util = about 7% / DTI = about 38% / Income ~$14988,00 SSD does not pay very much, I work harder at this.

NFCU AmEx - $15,000
NFCU cashRewards - $6,000 / Home Depot - $4000 / Discover It - $3800 / AmEx Cash Card - $1000 / Cap One MC - $1500 / Sears-SYW MC - $3000 / Wayfair - $4250 / Best Buy - $3000 / Dell CC - $3000 / Big Lots - $1250 / Kohl’s - $1000 / J. Crew - $500 / Brylnhme - $700 / Fingrhut - $700.
Fingerhut only to get the free Experian FICO 8 Score.
Message 10047 of 14,873
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Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@Standby wrote:

@Saeren wrote:

Well I guess my APR request is waiting til next month. Somehow my EQ9 dropped from 695 to 673. I don’t know why but my EQ9 is the most unpredictable score I have. 8s will stay within a 10 point range (my over 10 point drop was losing AoOA >10, fluctuations are minimal otherwise), EQ9 has about a 30 point spread. 


FICO9.PNGFICO8.PNG

I've also noticed my EQ-09 seems to have the widest range. The last few months it has been a rollercoaster.

 

Not a lot changed in my profile. I looked through my statements. I normally let a <10% balance get reported on all 3, now 4, of my cards.
Looks like Capital One autopay still goes through even if I manually pay after the statement cuts. So I alternate between reporting $0 and $2. Leads me to believe that EQ-09 is particularly sensitive to how many cards report balances. 

 


Ah! That’s right! I forgot that EQ has a penalty for >33% of cards with a balance. Out of 11 revolving accounts reporting, 4 of them have a balance. For some reason EQ has a 1/3 penalty instead of the 1/2 that the other bureaus do. That’s probably exactly what it is. Thanks!




Message 10048 of 14,873
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Valued Member

Re: Navy Federal Thread for CLI and Additional Cards

@Creditaddict or anyone with experience and or knowledge, could you give me your personal opinion on whether or not I should request a CLI on my $20K NFCU Platinum card that I opened in January 2019? I was looking at requesting a CLI to $25K. This morning my FICO 9 score updated on my NFCU app and I proceeded to request a CLI on my Cash Rewards card for $25K. My request was approved, but not for the full amount. I was only approved from $6k to $13K. What do you think?

FICO 8 Starting Score: (2 DEC 17)

FICO 8 Current Score: (28 AUG 19)

FICO 8 Goal Score:




Hover over my cards to see my limits and utilization!
Message 10049 of 14,873
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Community Leader
Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@rdrarmy wrote:
@Creditaddict or anyone with experience and or knowledge, could you give me your personal opinion on whether or not I should request a CLI on my $20K NFCU Platinum card that I opened in January 2019? I was looking at requesting a CLI to $25K. This morning my FICO 9 score updated on my NFCU app and I proceeded to request a CLI on my Cash Rewards card for $25K. My request was approved, but not for the full amount. I was only approved from $6k to $13K. What do you think?

@rdrarmy  If you have asked for 25K and got 13K, you may have hit your internal limit for the time being.  Not to worry, it doesn't take long to build more up tho.  





Message 10050 of 14,873
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