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Navy Federal Thread for CLI and Additional Cards

Community Leader
Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Congrats Stina on a huge increase in the ClocSmiley Happy

I guess my next big Navy goal is to get my $500 Plat some big boy pantsSmiley Happy
OCTOBER 26 2020
Message 7151 of 8,505
Regular Contributor

Re: Navy Federal Thread for CLI and Additional Cards

6/9/2018 Requested CLI on my Cash Rewards (93/3).  Request $10,000 increase from $20,000 to $30,000, went to review - HP EQ.  As of today 6/11/2018 have not received a response, so I sent secure message.  While waiting for a decision, app'd for 3rd credit card, More Rewards Amex and received instant approval - $12,000 sl, APR 16/49% (high but pif) = HP TU.

 

6/11/2018

Fico 9 

             Inq. 12 months                      

EQ

720             10

TU

716             6

EX

716             13

Message 7152 of 8,505
Senior Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@Rosey1 wrote:

6/9/2018 Requested CLI on my Cash Rewards (93/3).  Request $10,000 increase from $20,000 to $30,000, went to review - HP EQ.  As of today 6/11/2018 have not received a response, so I sent secure message.  While waiting for a decision, app'd for 3rd credit card, More Rewards Amex and received instant approval - $12,000 sl, APR 16/49% (high but pif) = HP TU.

 

6/11/2018

Fico 9 

             Inq. 12 months                      

EQ

720             10

TU

716             6

EX

716             13


Nice, congratulations on the 3rd card! Let us know how the CLI request goes!

Gardening until...



Message 7153 of 8,505
Valued Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@Adkins wrote:

@Rosey1 wrote:

6/9/2018 Requested CLI on my Cash Rewards (93/3).  Request $10,000 increase from $20,000 to $30,000, went to review - HP EQ.  As of today 6/11/2018 have not received a response, so I sent secure message.  While waiting for a decision, app'd for 3rd credit card, More Rewards Amex and received instant approval - $12,000 sl, APR 16/49% (high but pif) = HP TU.

 

6/11/2018

Fico 9 

             Inq. 12 months                      

EQ

720             10

TU

716             6

EX

716             13


Nice, congratulations on the 3rd card! Let us know how the CLI request goes!

 

Congrats.  May I ask how long you have had your first 2 cards and when did you initially apply for your second after getting your first? 


Penfed gold
Penfed promise
NFCU cash rewards
NFCU Amex
Citi simplicity
Discover
Amex BCE
Amex Magnet
Amex SPG
Wayfair
Care credit
Macys
Amazon store card
Walmart store card

FICO EXP 728 TU 723 EQ 718
Message 7154 of 8,505
Regular Contributor

Re: Navy Federal Thread for CLI and Additional Cards

NFCU – History (11-22-2018 to 6-5-2018)

11/22/2017 – Approved for Membership 1 HP-EQ and Go Rewards cc $4200 sl…1 HP-TU

1/4/2018 – GoRewards credit score – EQ9 709 … TU9 720

2/2/2018 – Approved for CLOC $5000, asked for $15,000…HP-EQ

2/10/2018 – Received letter (after app for CLOC)  NFCU credit score is 681 (range 334-818)

                                Source:  Equifax Information Services

2/24/2018 - GoRewards CLI (93/3)(request $25000) – Approved $7000 (tl sl $11,200)…HP-EQ (F9-709)

3/4/2018 – 2nd cc CashRewards instant approval $20,000…HP-TU (EQ Fico9 - 711)

5/7/2018 – Preapproval Auto Laon – Approved $10,000…HP EQ

5/7/2018 – CLOC cli – requested $15,000 – DENIED … Too soon, shy one week.  NO HP

                                                Also, the letter stated too many accounts opened in the last 12 months.

5/8/2018 – CX’d the preapproved Auto Loan – After speaking with rep. I can only use preapproved auto loans for dealership purchases only.  I am buying used vehicle from private party (my brother).

6/3/2018 - Applied for CLI on CLOC - stated decision usually takes less than 1 hour, two hours later still no decision, went to bed.

          

6/4/2018 – Next morning, checked application status on CLI for CLOC - APPROVED - full request = now at max $15,000

 (was $5,000 increased by $10,000)- NOTE: As of today, 6/4/2018 8:08pm NO Hard Pull yet

 

6/9/2018 – Cash Rewards CLI (93/3)(request $30000) – Still waiting for decision …HP-EQ (F9-720)

 

6/11/2018 – While waiting for decision for CLI on Cash Rewards, decided to app for 3rd credit card

                        More Rewards Amex – Instant approval = $12,000 sl – apr 16.49% (high but pif) HP- TU716

 

6/11/2018 – Approved CLI request for CLOC – still NO Hard Pull

 

6/11/2018            FICO9    Inq. 12 months

         EQ                720              10

         TU                716               6

         EX                 716              13

 

Message 7155 of 8,505
Community Leader
Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Super grats Rosey1Smiley Happy Penfed who???Smiley Wink
OCTOBER 26 2020
Message 7156 of 8,505
Regular Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Called NFCU, the request for CLI on my CashRewards was Declined, letter will be sent with explanation.  Does NFCU do recon?

Message 7157 of 8,505
Community Leader
Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards

They do but I wouldnt 100% count on it with a 12k approval and all your recent approvals. They may need more history.
OCTOBER 26 2020
Message 7158 of 8,505
Regular Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Thank you, I may try again in 6 months, by that time I will be a NFCU member for 1 year.  

Message 7159 of 8,505
New Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@Llanowar13 wrote:

I wanted to add some data for those applying to NFCU credit cards. I recently applied for the cashRewards card and was approved for $25k at the lowest 11.15% rate. I received a courtesy letter today detailing the credit pull. As many have stated NFCU pulls Equifax for their credit cards. Based on the score from the letter it appears they used the Equifax FICO Score 5, as it's the only one that matched my previous results I pulled just previous to the application. At the time of my application my FICO Score 5 was 706.

 

Hope this helps anyone looking to apply.


They 100% pulled Transunion on my new CC application.  They pulled Equifax for my CLI application.  When I asked the rep I talked to when I asked for my reconsideration for the denied CLI, they confirmed that their policy is to pull TU for new cards and EQ for CLIs.  

 

Obviously that might not be the same in every single case, but generally speaking, that is their normal policy.

July 1, 2017 (VAN 3.0) -- TU - 498 EX - 508 EQ - 508
Current (FICO 8) ------------> TU - 647 EX - 675 EQ - 691
Message 7160 of 8,505