Navy Federal Thread for CLI and Additional Cards

[SMB85]

What date are people using to calculate their 91/3 date on the first card? Approval date?

Also, I noticed in some of the threads reference to a MAX button for CLI. Did that go away in favor of entering your CLI amount to request?

[Anonymous]

Yes it’s your approval date and the Max CLI button is gone, you have to enter a number. 

[Anonymous]

Is NFCU's guideline for 12 months both BK discharge for credit cards the same for a CLOC? 

[JENEA]

Can anyone tell me why i can only reply to people in this thread instead of commenting on my own? Im looking to add a second card and would love guidance.

Edit: Disregard, i realized what i was/wasn't doing. *facepalm *

[Anonymous]

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@JENEA wrote:
Can anyone tell me why i can only reply to people in this thread instead of commenting on my own? Im looking to add a second card and would love guidance.

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When you hit reply, just type don't hit the quote button, so it's just your words. 

Type out your question and we'll help you with any info. 

[Anonymous]

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@Anonymous wrote:

Yes it’s your approval date and the Max CLI button is gone, you have to enter a number. 

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I miss the max button. 

[JENEA]

Hi iv been actively repairing my credit for 5 months. I was in the low 500''s with all 3 bureaus. Last November i apped for a NFCU unsecured card once i hit the 580's (testing luck smh). I was denied so i went for the secured card the next day. Luckily they didn't pull again and i was approved. The only other cc i have is as an authorized user with a $500 limit, never late. Iv had 4 statements and am over 3 months with this NF card. My utilization is 10% and iv paid in full every month except this last month. I let it report a small balance that ended up moving my scores up 15-18 points. At the time of getting the secured card my transunion was 583. Now its 625. The plan has been to wait until i reach the 640's then app for a second card and hope for a good limit. Then wait 6 months and ask for an increase since my fico 9 scores are all in the 690's. I feel like this is a good strategy but need input. I have 2 inquires and 3 open never late installment loans. Aaoa is 7 years. Income is 110k. I have 3 collection accounts showing on transunion. 2 will be removed in about 30 days leaving Ex and Eq clear of collections and transunion with a 200 dollar collection account. Thats when id like to make my move.

I also have 4 student loan tradelines that were rehabilitated last month. They are marked as closed now with the default removed but the old lates are there from 2016 and before.

[QueenJ]

Since December, navy has put a Fico score each month for me. Have they changed their policy of bimonthly ARs to monthly now?

[AverageJoesCredit]

I believe their AR is still every 2 months but are just updating our Fico9's monthly now as a courtesy.

[Anonymous]

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@JENEA wrote:
... Im looking to add a second card and would love guidance.

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Based on what you outlined in your 2nd post in this thread, it doesn't seem you need guidance at all. You've already got a good plan. 

I'd only offer one caution: once your scores jump into the 700's, don't go wacko & app everything because you can get it. It's nice to be asked to dance and there's nothing wrong with cutting some carpet, but it's also okay to sit out a few & instead have a nice chit chat by the punch bowl.