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Navy Federal Thread for CLI and Additional Cards

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Community Leader
Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Navy does not reuse hps. If you got one increase without it it was done by soft pull but not same hp from previous request.
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Message 10051 of 10,799
Valued Member

Re: Navy Federal Thread for CLI and Additional Cards


@Shooting-For-800 wrote:

Questions:

I am on day 87 of my ridiculous $1k limit Cash Rewards.

I have not received my SUB and passed the requirement weeks ago.

I have had 3 statements.

Do they wait 90 days to pay the SUB even if you already passed the requirement?


I had the same question with my GoRewards recently.  I called NFCU, the CSR informed me that the SUB would be issued when the first statement cut after the end of the SUB period.  For me it was a 90 day SUB period, my SUB showed up on my first statement following the 90 days. 

Message 10052 of 10,799
Frequent Contributor

Re: Navy Federal Thread for CLI and Additional Cards

SUB comes on 4th statement.






Message 10053 of 10,799
Community Leader
Senior Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Well one for two. Dhs account GR card hit 181 days, hit the CLI went under review (not a good sign in my experience) got the denial email a few hours later. Oh well, will wait for letter.

Either I was off by a day but I doubt I am very meticulous with dates and think of myself as a good counter😁 . So I think maybe he hit his internal max with them. His total creditlines are 62K combined and he has a 10K CLOC, we are virtually the same profile, of course same income and I sit at 65K creditlines and 15K CLOC.

 

So I think I will very happy with what NAVY has given with us and leave them beSmiley Happy

EXP 753 TU 781 EQ 733
Message 10054 of 10,799
Frequent Contributor

Re: Navy Federal Thread for CLI and Additional Cards

I hit the sub on my CR as soon as I got it back in April.  Haven't got it yet though but I figured it's coming...but if it's 4th statement then that will be in 2 weeks, so we'll see.

Message 10055 of 10,799
New Visitor

Re: Navy Federal Thread for CLI and Additional Cards

Hi Everyone!

 

I am very new to the forum, this is actually my first time posting.

 

I have been a member of NFCU for almost two years now. I recently received an email containing an acceptance for the amex, I pulled the trigger today and applied - - I was approved for a SL of $500.00. I am wondering if I had applied for a different card if my SL may have been higher? If I were to apply for another card today, would I be approved for a card with a higher SL? Or should I wait it out and do the 91/3 for a CLI and a new card?

 

Just for some background : Discover IT - 1182/1200 Nordstrom - 450/1000 Overstock 0/250

 

Due to high utilization my scores have dropped to the high 500s ..

 

ANY ADVICE?? 

Message 10056 of 10,799
Community Leader
Senior Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Hello and welcome to myFICO.

First congrats on the approval.

Second, I don't believe applying for a different card would have netted you a higher limit. IMHO, I believe your SL was low because your UT is high. Your Disco is maxed out at 98% and your Nordstrom is at 45%.

I suggest not applying for anything until Disco is at <28.9% and Nordstrom is <8.9%. Once your Disco is below 28.9%, then there’s a chance you would be approved for a CLI. I say Disco because it’s a SP. NFCU is a HP 99% of the time so save your HP because until you get your UT down, it will be a decline and a wasted HP.

GL2U
GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 10057 of 10,799
Established Contributor

Re: Navy Federal Thread for CLI and Additional Cards

The high util on your Discover is more than likely the reason for your SL. You can't apply for another card until the 91/3 mark, so in the meantime work on getting your util down. GL!



Starting Score: Nov 3, 2018: EX 597 TU 599 EQ 616
Current Score: October 1, 2019: EX 665 TU 688 EQ 675
Goal Score: Dec 31, 2019: EX 700 TU 700 EQ 700

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Message 10058 of 10,799
New Visitor

Re: Navy Federal Thread for CLI and Additional Cards

Thank you CreditInspired and Scooter!!

I am working to get those cards down. Nordstrom will be at zero within the next couple of weeks and then I will knock out Discover as well.
Message 10059 of 10,799
Established Member

Re: Navy Federal Thread for CLI and Additional Cards

Hey All !!

Today is my 91/3 . I was approved for a consalidation loan with NFCU about a month ago to pay off 3 high interest loans I had . NFCU loan is showing on my credit report already but 2 of the 3 loans I paid off are still reporting as open . I know eventually they will report as closed, my question is should I wait until all 3 show closed or just apply for a second card now ? My credit utilization is 8% so I'm good there.
Message 10060 of 10,799
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