Navy Federal Thread for CLI and Additional Cards

[AverageJoesCredit]

Mine just updated, rose 3 points to 756 at one point last year, i actually had achieved 800+ fico 9 but that went to heck with apps and debt load.

[Anonymous]

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@AverageJoesCredit wrote:
Mine just updated, rose 3 points to 756 at one point last year, i actually had achieved 800+ fico 9 but that went to heck with apps and debt load.

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I wish.. my 4yr old C/O changed the status on my EQ and it looks like i missed a payment but it's been paid for 4 yrs now.   down to 681

[AverageJoesCredit]

Meh, Navy doesnt really care about the fico 9 anyway J. Youll get there. Im tired, i just played a joke on Navy and put in a cli request for $25k on my $500 Plat. Wish i could see the computers face when it reads my request. Wonder when Navy will call to try and have me lift my locks?

[Anonymous]

Lol please let us know the outcome.

[Anonymous]

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@AverageJoesCredit wrote:
Meh, Navy doesnt really care about the fico 9 anyway J. Youll get there. Im tired, i just played a joke on Navy and put in a cli request for $25k on my $500 Plat. Wish i could see the computers face when it reads my request. Wonder when Navy will call to try and have me lift my locks?

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Lol you went for $25K? Someone in UW is going to have a great laugh. 🤣 

Somehow I hit 707 this month which puts me over my 680 high back in September... I’m considering asking them for an APR reduction but I figure I’ll wait until I ask them for my next CLI. 

Speaking of which, if you PC a card, does it reset your 6 month between CLIs? My More Rewards should be eligible for CLI next month if it keeps the same eligibility date as the original card but otherwise not til August. 

[shoegal]

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@AverageJoesCredit wrote:
Mine just updated, rose 3 points to 756 at one point last year, i actually had achieved 800+ fico 9 but that went to heck with apps and debt load.

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I caught up to your score! Now, I’m at 755. Before my COs dropped I was stuck at 690 since 2017.

[AverageJoesCredit]

Hey @shoegal 🙋‍♂️ Nice to see ya

@Anonymous , not sure but remember Navy likes to use " There have been recent changes to your account" after you close or transfer limits . That could restart the 6 month rule.

Lol i wish an UW would call and ask why! Id say im trying to stick it to Pendread

[Anonymous]

@AverageJoesCredit ugh I actually wasn’t aware of that reason. I guess I’ll just keep paying it off every month. It’s not a big deal, I’m going to just keep paying that one and BBVA until I get CLIs. 

And yeah, somehow I don’t think UW is going to think that’s a great use of extended credit 🤣 

[Anonymous]

So I thought I'd report back since I attempted a CLI and 2nd card today at my 91/3. My CLI request went to review, I'm assuming because I asked for 25k which I realize I probably won't get but was hoping for counter offer and my app for my 2nd card, More Rewards........
WAS APPROVED FOR $15,000!!!
It's difficult not to get emotional as I type this because lil ol me didn't have a credit limit above $700 just a few short months ago. I began my credit rebuild and worked my tail off to get my credit profile to what it is now. I feel that Navy is one of the few lenders that takes notice as to our efforts and I'm so grateful. Since February I have been approved for $6,600 Flagship $10,000 CLOC and today $15,000 More Rewards. My CLI is still under review so I will post update when I find out. $31,600 in credit in such a small amount of time is an EXTREME privilege and the knowledge I've gained on here because of all of you is priceless!!!

[AverageJoesCredit]

@Anonymous , Outstanding. Enjoy it. Navy not only extends more than most of us deserve they actually reward us with more than we can actually use. Go Navy