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Navy Federal Thread for CLI and Additional Cards

Valued Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

So its Official..  i logged in and clicked the apply now link on the GoRewards card.  (not 91/3 yet, but was playing around).....

 

It put up a msg that i already have 3 accounts and i'm at the maximum, couldnt even fill out an app.    3 IS the limit. 

 

So if i dont get a good CLI and i still have to have a huge limit, i'll have to kill one and reapp. 



Starting Score: TU 504 EQ 525 EX 535 (4-4-17)
Current F8 Score: EQ 644 TU 650 EX 670 (5-23-18)
Goal: 680 then 800 club across the board
Inquiries: over character limit
I'm not totally useless... I can be used as a bad example.
Message 6061 of 7,014
Community Leader
Super Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

Call em up Jago and let them know you wanna make myFico history by becoming the 1st to 4Smiley Happy. Play to their hearts not their SkynetsSmiley Wink

OhJoy, fantastic workSmiley Happy Great seeing you aroundSmiley Wink

To obtain Credit One Kenobi status upon 0/24 is to Garden Harden!!
Message 6062 of 7,014
New Member

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

So I finally closed on my house and all that and I went to Navy for a CLI.

I applied for a CLI on my cash rewards (original SL 2800) and it went to 24 hour review.

So immediately applied for the AMEX and was approved for a SL of 15,000

And then later this afternoon I checked and my cash rewards limit was bumped to 7,800

Last summer, I had score for Equifax from 659 and now my score is 699. So yay! Now I am in the garden for a while.
Message 6063 of 7,014
Valued Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD


@wrote:
So I finally closed on my house and all that and I went to Navy for a CLI.
I applied for a CLI on my cash rewards (original SL 2800) and it went to 24 hour review.
So immediately applied for the AMEX and was approved for a SL of 15,000
And then later this afternoon I checked and my cash rewards limit was bumped to 7,800
Last summer, I had score for Equifax from 659 and now my score is 699. So yay! Now I am in the garden for a while.

Congrats, here lately that seems to be the default limit for the Amex.  Thats a nice CLI too.  



Starting Score: TU 504 EQ 525 EX 535 (4-4-17)
Current F8 Score: EQ 644 TU 650 EX 670 (5-23-18)
Goal: 680 then 800 club across the board
Inquiries: over character limit
I'm not totally useless... I can be used as a bad example.
Message 6064 of 7,014
Community Leader
Super Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

Awesome job BlueAppleSauceSmiley Happy

To obtain Credit One Kenobi status upon 0/24 is to Garden Harden!!
Message 6065 of 7,014
Community Leader
Super Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

Just checked, Navy lowered my Apr on Plat to 15.24% Smiley Happy. No go on CR as they cant review until jul or 1 year. No go on auto luv lol as the system does those ARs periodicly. Dont quite remember original apr but ill update if i can find it lol.

To obtain Credit One Kenobi status upon 0/24 is to Garden Harden!!
Message 6066 of 7,014
Community Leader
Established Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD


wrote:
So I finally closed on my house and all that and I went to Navy for a CLI.

I applied for a CLI on my cash rewards (original SL 2800) and it went to 24 hour review.

So immediately applied for the AMEX and was approved for a SL of 15,000

And then later this afternoon I checked and my cash rewards limit was bumped to 7,800

Last summer, I had score for Equifax from 659 and now my score is 699. So yay! Now I am in the garden for a while.

@blue, wow, where do I start...congratulations!! 

 

What an accomplishment to have a new home AND an additional $20K at Navy between the bump and the new AMEX!! You have done an outstanding job and I can't wait to see what the future holds for you!!

 

I'll look for you in the garden!!

Smiley Very Happy

 

 

Message 6067 of 7,014
Community Leader
Established Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

Hey AJC, congrats on the reduction! I have to get after that too (like tomorrow) lol!!

Smiley Very Happy

 

Message 6068 of 7,014
Frequent Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

@wade...

 

I just tried to get EQ to remove the 2nd "same day" HP from Navy and it was a "very scripted", "no, we are sorry"...

First I tried the online chat, because I just didn't think I could take talking to one of their reps. I got "inquiries are a matter of fact"...

the online chat provided me with a number to call. So I called directly following. First she put me on hold for 5 minutes while she accessed my account. Then she asked what the reason of my call was and proceeded to tell her that I had two HP from the same lender in the same day, and it was my understanding that one should be removed. She put me on hold for another 3 minutes and came back with the identical verbage that the online chat person gave me! That said, she told me I could contact the lender and if they want to allow me to have one of them removed, they could send them a note to remove it at their request.

Wha, wha, wha.........

Oh well, my scores took a hit this week (all but TU) just after they finally increased in two months. But that's ok, I am back in with Amex (3 new cards PRG, Delta Gold Skymiles and Blue Cash Preferred - as well as just Saturday, had my very first "pre-approved", not pre-qualified offers from them) and the new More Rewards Card with the $15K SL from our great friend NFCU! I am getting one more card in 90 Days - the Amex SPG which is the card I have wanted. Then I am off to the garden for the rest of the year!

 

 

Message 6069 of 7,014
Community Leader
Super Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD


wrote:

Hey AJC, congrats on the reduction! I have to get after that too (like tomorrow) lol!!

Smiley Very Happy

 


Thanks AWDSmiley Happy  Looking pretty Established their buddySmiley Happy Its suits youSmiley Happy


To obtain Credit One Kenobi status upon 0/24 is to Garden Harden!!
Message 6070 of 7,014