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Navy Federal Thread for CLI and Additional Cards

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Regular Contributor

Re: Navy Federal Thread for CLI and Additional Cards

@DF82

Sound advice, yes it’s a large, very large Increase request but I rather not “waste” the HP if I’m alright with a POI. Using them as my main checking account has to help with something maybe.
Message 10091 of 10,246
Community Leader
Senior Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@we_are_bob wrote:

@CreditInspired wrote:

@we_are_bob wrote:

@swpopham wrote:

@Creditaddict wrote:

By popular demand and the fact that when someone posts to the other Navy Federal CLI thread it crashes my "Mail" program I think we should do a new updated one since we hopefully get the $25k request part.

 

 

UPDATE:

 

~ You can no longer move CL's from one account to open a 2nd account that has been denied.

 

~ Navy seems to be enforcing a new 6 month between CLI policy

 

~ 6-month policy doesn't apply to getting a 2nd card.  Some are having success at just over a month of first card approval

 

~ New Max button is your friend for CLI requests.


 

Is this button gone? This is what I see on my sideScreen Shot 2019-07-15 at 9.07.31 AM.png


I do think it is gone.  It was there for my first CLI request this fall, but showed me the same limit request box when I apped a week ago.


My CLI Request is still there but it looks different from yours.

IMG_5447.jpg


It's after you press the "IncreseMy Credit Limit" hyperlink that you get the page he showed.  There used to be a button there to request the maximum amount, but now it makes you enter a specific request in the box.


When I clicked the link, it requested me to verify my contact info. I just cancelled because I would be some kind of upset if it automatically approved me. I'm in the garden 'til 2020 and I don't want any HPs

GOALS: Garden til APR 2020 and 800 Club



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 10092 of 10,246
Valued Member

Re: Navy Federal Thread for CLI and Additional Cards

Ladies & Gentlemen,

OMG OMG OMG!!! How can I even put what I just experienced a little over an hour ago into perspective or even choose the right words to express the joy that I am filled with? Let me go back to six days ago when my FICO 9 score updated on my app when I decided to request not one, but two CLI's on my two NFCU cards. The requests were about 8 hrs apart from each other and it only used 1 HP. One was for my VS Cash Rewards which had a limit of 6K (opened in Aug 2015 with an initial SL of 5K) and the other one was the Platinum with a SL of 20K (opened in Jan 2019). I submitted a CLI request on both of them for 25K and they were each respectively countered at 13K (VS) and 23.5K (Platinum). Nonetheless, I thought I rolled the dice on those two requests when I submitted them. Especially after having received their counters. Here we are today and after doing some additional reading and educating myself some more, I decided to apply for the NFCU Flagship card. I've had an itch on my fingers for the last six days and I thought to myself what were my chances? Well after hitting the submit button and after the website doing some thinking, the screen changed to the congratulations page. And boy was I elated when I saw that screen. By the way, they pulled my TU credit report for their decision on the Flagship. I have got to say that Navy Federal is freaking amazing!! I love this bank, and I am thankful that they opened their doors to me when I needed someone to finance the car that I'm driving today. I started my relationship with them back in March of 2015 and I will forever be loyal to them!Capture.PNG

 


FICO 8 Starting Score: (2 DEC 17)

FICO 8 Current Score: (1 AUG 19)

FICO 8 Goal Score:




Hover over my cards to see my limits and utilization!
Message 10093 of 10,246
Regular Contributor

Re: Navy Federal Thread for CLI and Additional Cards

My wife got approved for a 2nd NFCU card (the Cash Rewards) at a $2500 SL.  I'm happy she got this even though I'm confused on why they turned down the CLI request on her existing card.  Very strange...

 

So are CLI requests now a 6 month waiting period and no longer 91/3? Just planning for these cards and getting CLIs for both later on down the line.

Message 10094 of 10,246
Valued Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@rdrarmy wrote:

Ladies & Gentlemen,

OMG OMG OMG!!! How can I even put what I just experienced a little over an hour ago into perspective or even choose the right words to express the joy that I am filled with? Let me go back to six days ago when my FICO 9 score updated on my app when I decided to request not one, but two CLI's on my two NFCU cards. The requests were about 8 hrs apart from each other and it only used 1 HP. One was for my VS Cash Rewards which had a limit of 6K (opened in Aug 2015 with an initial SL of 5K) and the other one was the Platinum with a SL of 20K (opened in Jan 2019). I submitted a CLI request on both of them for 25K and they were each respectively countered at 13K (VS) and 23.5K (Platinum). Nonetheless, I thought I rolled the dice on those two requests when I submitted them. Especially after having received their counters. Here we are today and after doing some additional reading and educating myself some more, I decided to apply for the NFCU Flagship card. I've had an itch on my fingers for the last six days and I thought to myself what were my chances? Well after hitting the submit button and after the website doing some thinking, the screen changed to the congratulations page. And boy was I elated when I saw that screen. By the way, they pulled my TU credit report for their decision on the Flagship. I have got to say that Navy Federal is freaking amazing!! I love this bank, and I am thankful that they opened their doors to me when I needed someone to finance the car that I'm driving today. I started my relationship with them back in March of 2015 and I will forever be loyal to them!Capture.PNG

 


Congrats!!

Message 10095 of 10,246
Valued Member

Re: Navy Federal Thread for CLI and Additional Cards

Thank you!! I’m going to avoid any and all future HP’s now as I am going in the garden for the next six months to a year. I’m not going to be greedy.

FICO 8 Starting Score: (2 DEC 17)

FICO 8 Current Score: (1 AUG 19)

FICO 8 Goal Score:




Hover over my cards to see my limits and utilization!
Message 10096 of 10,246
Regular Contributor

Re: Navy Federal Thread for CLI and Additional Cards

How soon after getting approved for a credit card can one apply and get approved for another?  I'm just curious; I don't plan on doing that.  I'm an AU on my wife's first NFCU card and I just got approved the other day for my own NFCU card. 

 

I'm trying to decide on applying for the CLOC but am not sure what amount to ask for.  I tried earlier this year and asked for the full 15k and got a denial.  I tried again right after for a much smaller amount and was still denied.  I'm wondering now that I have my own NFCU credit card will that change things with trying to get an approval for the CLOC?

Message 10097 of 10,246
Regular Contributor

Re: Navy Federal Thread for CLI and Additional Cards

91 days for another NFCU Card after approval. On the Cloc, I first applied for $5K and was instantly approved. After 91 days I asked for an increase to $15K and also instantly approved.


Message 10098 of 10,246

Re: Navy Federal Thread for CLI and Additional Cards

Awesome!


This ain't checkers, it's chess! July 2019 Fico 8 Scores: EXP 683; TU 710; EQ 704
Message 10099 of 10,246
Valued Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Stepped out of the garden to app for a 2nd card- the Platinum and instant approval for 20k.  Also took a stab at a CLI for my VisSig from 25k to 40k and it went to pending.   Pleased with the approval so if the CLI is a no, I can move some from that card over.   Just looking to take advantage of the BT goodies to pay down other things. 

Back to the garden I go and will stay until 2020.

Message 10100 of 10,246
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