Navy Federal Thread for CLI and Additional Cards

[M_Smart007]

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@Anonymous wrote:

Im still trying to find out what the heck the 91/3 rule is.  (NFCU)

I have a checkings/savings, and the Amex ($7300/with no util.)

ANy help will do, have a great day!!

(thinking about gardening soon).

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@Anonymous, 91/3 = (91) days and (3) full statements.

More reading for you here;

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Thread-for-CLI-and-Additional-Cards/td-p/3419729

[Anonymous]

I have always been confused about that.  Why is it 91 days and 3 full statements?  Wouldn't the 3 full statements cover the 91 days portion, since it would be 3 full billing cycles and it appears that the 3 full statements trumps the 91 day portion, anyways?

For example, I've seen instances on here where someone was 91 days but not 3 full statements and they did not qualify yet.  So why isn't it just called the 3 full statements rule?

I am probably overthinking it but really wanted to see if there was a legit reasoning behind it.

[Anonymous]

@M_Smart007 thanks a million!!

[M_Smart007]

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@Anonymous wrote:

@M_Smart007 thanks a million!!

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@Anonymous, You're Welcome

[M_Smart007]

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@Anonymous wrote:

I have always been confused about that.  Why is it 91 days and 3 full statements?  Wouldn't the 3 full statements cover the 91 days portion, since it would be 3 full billing cycles and it appears that the 3 full statements trumps the 91 day portion, anyways?

For example, I've seen instances on here where someone was 91 days but not 3 full statements and they did not qualify yet.  So why isn't it just called the 3 full statements rule?

I am probably overthinking it but really wanted to see if there was a legit reasoning behind it.

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@Anonymous, Per NFCU's rules .. it has to be (3) full statements, and 91 days have to pass.

Sometimes the first statement is not a "FULL" statement and therefore does not count towards the 91/3.

If you do not meet NFCU's criteria, then it is a denial.

Hope this clarifies?

[Anonymous]

I know I know there's an entire approval thread but I just got approved for my 1st NFCU Amex ($7300) so my 91/3 starts.  But my question is, does the 91/3 start the day I got approved or the day I activate the card? 

So many horror stories of people applying too early. 

I'll be gardening for sure after I attempt a 2nd CC and CLI on original Amex.

My TU (which they pull) at time of approval was 702

[Mr_Mojo_Risin]

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@Anonymous wrote:

I know I know there's an entire approval thread but I just got approved for my 1st NFCU Amex ($7300) so my 91/3 starts.  But my question is, does the 91/3 start the day I got approved or the day I activate the card? 

So many horror stories of people applying too early. 

I'll be gardening for sure after I attempt a 2nd CC and CLI on original Amex.

My TU (which they pull) at time of approval was 702

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91/3 begins day of approval.

Congrats on that new card!

[M_Smart007]

@Anonymous, Congratulations!

[AverageJoesCredit]

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@Anonymous wrote:

I know I know there's an entire approval thread but I just got approved for my 1st NFCU Amex ($7300) so my 91/3 starts.  But my question is, does the 91/3 start the day I got approved or the day I activate the card? 

So many horror stories of people applying too early. 

I'll be gardening for sure after I attempt a 2nd CC and CLI on original Amex.

My TU (which they pull) at time of approval was 702

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Horror stories lol, no , just people jumping  the gun. 🤭 a Horror story would be if you weren't eligble for Navy Federal

[Falcon9]

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@Anonymous, Per NFCU's rules .. it has to be (3) full statements, and 91 days have to pass.

Sometimes the first statement is not a "FULL" statement and therefore does not count towards the 91/3.

If you do not meet NFCU's criteria, then it is a denial.

Hope this clarifies?

It looks like I may be doing the quote incorrectly.  I just got my first statement about three days ago.  Around 20 Feb 2021 I should meet three full statements plus 91 days.  I will wait another week or so just to be sure and apply for NFCU card #2.  I had considered the More Rewards but I have long had a view that AMEX is not as widely accepted as a Visa or Mastercard.  That view may no longer be valid.  If it is, then I suspect that GoRewards is adequate.

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