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Navy Federal Thread for CLI and Additional Cards

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Valued Member

Re: Navy Federal Thread for CLI and Additional Cards


@CerebralZulu wrote:

@jesmann

 

Nothing showing up on your available credit yet?


No changes yet

Capital One ($99 secured) $500 Aug 18 Closed Aug 19 due to no longer graduating

Discover IT (secured) $200 Sept 18 Graduated May 2019 $1,750
Capital One Platinum- upgrade to Quicksilver $300 Nov 18 AutoCLI $500 Jun 19
NFCU CashRewards $500 Feb 19 CLI $1,500 June 19
NFCU more Rewards Amex $20,000 June 19 product change CashRewards
Amex BCE $500 June 19
NFCU CashRewards World Mastercard $15,000 September 2019

Fico EX 634 TU 619 EQ 648 12/09/19
Fico EX 645 TU 617 EQ 631 06/07/19
Fico EX 645 TU 616 EQ 620 5/21/19
Fico EX 622 TU 555 EQ 577 9/11/18
Fico EX 549 8/27/18
Fico EX 605 TU 568 EQ 589 11/30/18
Fico EX 597 TU 565 EQ 578 02/28/19
Message 11331 of 11,713
Valued Member

Re: Navy Federal Thread for CLI and Additional Cards

Well it's been over 24 hours now and no changes, messages or anything so far.

Capital One ($99 secured) $500 Aug 18 Closed Aug 19 due to no longer graduating

Discover IT (secured) $200 Sept 18 Graduated May 2019 $1,750
Capital One Platinum- upgrade to Quicksilver $300 Nov 18 AutoCLI $500 Jun 19
NFCU CashRewards $500 Feb 19 CLI $1,500 June 19
NFCU more Rewards Amex $20,000 June 19 product change CashRewards
Amex BCE $500 June 19
NFCU CashRewards World Mastercard $15,000 September 2019

Fico EX 634 TU 619 EQ 648 12/09/19
Fico EX 645 TU 617 EQ 631 06/07/19
Fico EX 645 TU 616 EQ 620 5/21/19
Fico EX 622 TU 555 EQ 577 9/11/18
Fico EX 549 8/27/18
Fico EX 605 TU 568 EQ 589 11/30/18
Fico EX 597 TU 565 EQ 578 02/28/19
Message 11332 of 11,713
Community Leader
Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@jesmann wrote:

Well it's been over 24 hours now and no changes, messages or anything so far.


I suggest sending a SM. But, I think since you havent heard anything, I fear it may be a decline. You may have reached your maximum limit allowed of $36.5K at this moment in time.

REVISED GOAL: Garden ‘til Dec 2020 — 0 inquiries

Previous Goal: Garden til APR 2020 (extended) and
800 Club (accomplished)


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799
DEC 2017: EX 775, TU 778, EQ 769

|| NFCU CashRewards $30K || AmX Cash Magnet $30K || Discover IT $22.2K || Macy's $20K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 11333 of 11,713
Valued Member

Re: Navy Federal Thread for CLI and Additional Cards


@CreditInspired wrote:

@jesmann wrote:

Well it's been over 24 hours now and no changes, messages or anything so far.


I suggest sending a SM. But, I think since you havent heard anything, I fear it may be a decline. You may have reached your maximum limit allowed of $36.5K at this moment in time.


Shouldn't I have received at least a message or email.  I want to go ahead and unlock Equifax if it's done but I don't want to unlock it too soon and they review and do a hard pull.

Capital One ($99 secured) $500 Aug 18 Closed Aug 19 due to no longer graduating

Discover IT (secured) $200 Sept 18 Graduated May 2019 $1,750
Capital One Platinum- upgrade to Quicksilver $300 Nov 18 AutoCLI $500 Jun 19
NFCU CashRewards $500 Feb 19 CLI $1,500 June 19
NFCU more Rewards Amex $20,000 June 19 product change CashRewards
Amex BCE $500 June 19
NFCU CashRewards World Mastercard $15,000 September 2019

Fico EX 634 TU 619 EQ 648 12/09/19
Fico EX 645 TU 617 EQ 631 06/07/19
Fico EX 645 TU 616 EQ 620 5/21/19
Fico EX 622 TU 555 EQ 577 9/11/18
Fico EX 549 8/27/18
Fico EX 605 TU 568 EQ 589 11/30/18
Fico EX 597 TU 565 EQ 578 02/28/19
Message 11334 of 11,713
Valued Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@jesmann wrote:

@CreditInspired wrote:

@jesmann wrote:

Well it's been over 24 hours now and no changes, messages or anything so far.


I suggest sending a SM. But, I think since you havent heard anything, I fear it may be a decline. You may have reached your maximum limit allowed of $36.5K at this moment in time.


Shouldn't I have received at least a message or email.  I want to go ahead and unlock Equifax if it's done but I don't want to unlock it too soon and they review and do a hard pull.


It's probably declined. I asked for mine on Sunday and didn't got any updates or emails.

 

I asked for the DH's card at the same time and he got it a few hours later. They emailed him Monday or Tuesday about the increase.


Message 11335 of 11,713
Established Contributor

Re: Navy Federal Thread for CLI and Additional Cards

91/3 is coming up next week, starting limit is $1k- met the sign up bonus and have paid the card off in full each month. 

I'm wanting to ask for $8k, will they counter with a lower amount or automatically decline me for asking for too much?

What would be a reasonable amount to ask for?



Message 11336 of 11,713
Senior Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@Lizzo wrote:

91/3 is coming up next week, starting limit is $1k- met the sign up bonus and have paid the card off in full each month. 

I'm wanting to ask for $8k, will they counter with a lower amount or automatically decline me for asking for too much?

What would be a reasonable amount to ask for?


I'm guessing 3x credit limit on first card. Perhaps try a third card? You might get better success?

Message 11337 of 11,713
Valued Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Hey guys, I have been away from the forums for awhile and I am a little out of the loop on the cli eligibility process for new cards lol! Go figure huh 😂

 

Was approved for Amex Rewards Sept 12 and 91 days was yesterday so pulled the trigger and got the review msg. Still nothing has changed in my account so I am assuming this is a denial. But my question is, did I perhaps attempt to early? Although I had reached my 91 days only 2 statements have cut. Next Statement is toward the end of the month. So my thinking is I attempted to early and need to re attempt after 3rd statement has cut? 

FICO08 Jan 2020 (TU 743) (EQ 746) (EXP 770)
FICO09 Jan 2020 (TU 786) (EQ 791) (EXP 788)
TCL $700K+
Message 11338 of 11,713
Regular Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Yes you need to have 3 statements cut and 91 days. It looks like you asked to early. Retry once you’ve meet the 91/3 requirements. Good luck.
Message 11339 of 11,713
Valued Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Yes, too early.  It's 91 days AND 3 statement cuts.   Try again once your 3rd statement cuts.  Good Luck!

 


@bruisedcredit wrote:

Hey guys, I have been away from the forums for awhile and I am a little out of the loop on the cli eligibility process for new cards lol! Go figure huh 😂

 

Was approved for Amex Rewards Sept 12 and 91 days was yesterday so pulled the trigger and got the review msg. Still nothing has changed in my account so I am assuming this is a denial. But my question is, did I perhaps attempt to early? Although I had reached my 91 days only 2 statements have cut. Next Statement is toward the end of the month. So my thinking is I attempted to early and need to re attempt after 3rd statement has cut? 


 

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 01/2020: EX 767 ✦ EQ 742 ✦ TU 757
Current FICO 9s | 01/2019: EX 774 ✦ EQ 776 ✦ TU 766
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2020 Goal Score | 790s


My AAoA: 2.11 years not incl. AU / 3.2 years incl. AU
My AoOA: 6.11 years not incl. AU / 8.11 years incl. AU
Inquiries: EX 0/6 | 3/12 ✦ EQ 0/6 | 4/12 ✦ TU 0/6 | 1/12
Report Status: Clean

Tending my Garden til 6/2020


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 11340 of 11,713
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