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Navy Federal Thread for CLI and Additional Cards

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Valued Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Looks like my CLI was approved (a bit over an hour) as my credit available has changed.  Wow, really loving nfcu!!!  91/3  has been good to me and worth the HP's!

Message 10101 of 10,242
Regular Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@Hasselfree wrote:

Looks like my CLI was approved (a bit over an hour) as my credit available has changed.  Wow, really loving nfcu!!!  91/3  has been good to me and worth the HP's!


You went from $25K to 40K on the Cash Rewards? I was thinking about trying to go from $20K to $35K on my Flagship.



Message 10102 of 10,242
Valued Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@Df82 wrote:

@Hasselfree wrote:

Looks like my CLI was approved (a bit over an hour) as my credit available has changed.  Wow, really loving nfcu!!!  91/3  has been good to me and worth the HP's!


You went from $25K to 40K on the Cash Rewards? I was thinking about trying to go from $20K to $35K on my Flagship.


Yes, the CR.  35k from NFCU today- not a bad day!

Message 10103 of 10,242
Community Leader
Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards

I received an answer back from Navy via SM concerning whether or not you have to call up or request to unblock something to be able to receive auto increases if elible. I was told all members with credit cards are automatically " opted in" for this as our accounts are periodically reviwed to see if we are elible. No need to have them uncheck anything lolSmiley Wink
Message 10104 of 10,242
Regular Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Hit 6 months from my last CLI on my Navy Flagship card and asked for an increase from $20K to $35K and was denied this time around. With that said I decided to close my Platinum with a $20K limit and move that limit to my $20K Flagship. Took about two days for it to happen but Navy Federal approved it via SM. Now I just have to work on getting my APR down. Ive heard you can request once a year, does that mean once you're a member for a year or the card is a year old?

 

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Message 10105 of 10,242
Community Leader
Senior Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Question. Wasn't the interest rate on your Platinum a lot lower than the Flagship?

What was the purpose for closing the Platinum—was it just to have a $40K CL on the Flagship?
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 10106 of 10,242
Frequent Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@Df82 wrote:
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.

do they do another HP for the CLOC CLI?

Fico 08 TU 680 EQ 682 EX 680 (4/05/18)
Fico 08 TU 668 EQ 656 EX 671 (1/13/18)
FICO 08 TU 533 EQ 512 EX 522 (2/6/17)
1 collection charge off paid April '17 ($500 GTE FCU) went over 120+ days late on it account closed. PIF to CA

NFCU Cash Rewards-$2800 (1/13/18), USAA Classic Platinum Visa-$1000 (1/13/18), Discover IT-$10,000! (1/13/18), AMEX BCE-$1000 (1/13/18), AMEX Blue Delta SkyMiles-$1000 (1/13/18), Care Credit-$7500(1/13/18), Cap1 Platinum Preferred-$1500 (1/15/18), Wal-Mart $5000 as of Nov '17 (SL $200 July '17), Dillards $1000 July '17, Several rebuilder cards closed not listed
Message 10107 of 10,242
Regular Contributor

Re: Navy Federal Thread for CLI and Additional Cards

The Platinum interest rate was 15%, my Cash Rewards is 17%. For some reason the interest rates on my Navy Cards are much higher than the rates on my other credit union cards, by far.

I guess you could say I’m guilty of just wanting a high limit card and I never used the Platinum. If I had gotten a much lower interest rate on the Platinum I may have kept it around for balance transfers but I have other cards with lower rates.


Message 10108 of 10,242
Community Leader
Valued Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@Roy21 wrote:

@Df82 wrote:
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.

do they do another HP for the CLOC CLI?


@Roy21  Oh yes navy loves their pulls, they usually do so expect it if you don't get it be very happy.

Message 10109 of 10,242
Community Leader
Senior Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@Df82 wrote:
The Platinum interest rate was 15%, my Cash Rewards is 17%. For some reason the interest rates on my Navy Cards are much higher than the rates on my other credit union cards, by far.

I guess you could say I’m guilty of just wanting a high limit card and I never used the Platinum. If I had gotten a much lower interest rate on the Platinum I may have kept it around for balance transfers but I have other cards with lower rates.

15% for the Plat is high. Usually that card starts with the lowest rate. I think mine is at 11 and I think @Saeren is at <9%. And I will be asking to have mine lowered in a few months.

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 10110 of 10,242
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