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Navy Federal Thread for CLI and Additional Cards

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Established Member

Re: Navy Federal Thread for CLI and Additional Cards

I understand that 6 months would be alot more beneficial but I wanted to see if any results of those who were successful with a recent bk7 reporting . Thanks for the speedy response though lol !!!
Message 9771 of 14,638
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Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards

They have tightened up recently so anything that was the case in the past doesn’t necessarily play out in the present. 

If you want to try for it, go for it. Worst case scenario it’s a wasted HP. Everyone advised me that I wouldn’t be getting a CLI or second card for most likely 6 months and I scored both at 91/3. 




Message 9772 of 14,638
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Established Member

Re: Navy Federal Thread for CLI and Additional Cards

Nice . If u dont mind me asking , u had a recent BK ?
Message 9773 of 14,638
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Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards

My BK was in 2010 but my scores were still pretty awful due to some further damage after my BK. I had nothing but negative info between 2010 and 2014 when I got my Cap Plat and started my long rebuild process. Since I didn’t have this forum until September of last year, my rebound wasn’t until this year when I got some early exclusions. 




Message 9774 of 14,638
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Established Member

Re: Navy Federal Thread for CLI and Additional Cards

Do you care to share more specifics ? Orginal card and SL ? Cli amount ? 2nd card obtained ?
Message 9775 of 14,638
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Super Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@FicoMan27 wrote:
Do you care to share more specifics ? Orginal card and SL ? Cli amount ? 2nd card obtained ?

9/2018 - cashRewards $3K @ 11.4% (lowest)

12/2018 - asked for CLI to $7500 and got it, asked for CLOC of $500 the next day and got it instantly, asked for Platinum and after review, approved $7200 @ 7.99%
2/2019 - asked to convert cashRewards to More Rewards and reallocate limits your $2K More Rewards, $12,700 Platinum which was approved as well.  

I don’t remember what my FICO 9s were but they weren’t much better than my 8s. TU was at 647 when I got approved for the cashRewards and EQ was 670 when I asked for CLI and CLOC. Platinum TU had only gone to 652 for that approval. 




Message 9776 of 14,638
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Established Member

Re: Navy Federal Thread for CLI and Additional Cards

Thanks for your response. I guess I have a decision to make. 91/3 or 182/6 .
Message 9777 of 14,638
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Regular Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Not sure if this applies to CLI as well, but I was approved for a 2nd card 10 mo post bk7 discharge (Amex more rewards) at 91/3 after starting with the secured card.
More here:

https://ficoforums.myfico.com/t5/Bankruptcy/UNBELIEVABLE-NFCU-MoreRewards-lt-1yr-BK7-2nd-Card/m-p/55...
Message 9778 of 14,638
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Senior Contributor

Re: Navy Federal Thread for CLI and Additional Cards


@Saeren wrote:
Hmm... I requested a CLI yesterday and it went to review but I never got an HP and I don’t have any secure messages.

I wonder if the request just got lost? It’s always an immediate HP when you ask NFCU for anything. My bureaus are all back on ice today (I had a temporary lift on all 3 for my Capital One app yesterday) and I think I’m just gonna leave it alone.

Have 180 days elapsed since you either opened the account or had a CLI on the account?  

 

Navy's recent policy is to simply not process CLI requests that occur at less than 180 days.  So no hard pull, but you wouldn't get a secure message either.  Eventually you'll get an email declining the request and if you call the rep will tell you the request was not processed. 





Message 9779 of 14,638
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Community Leader
Mega Contributor

Re: Navy Federal Thread for CLI and Additional Cards

Yeah Navy is famous for auto ignore lol. You will eventually get a letter in mailSmiley Wink EventuallySmiley Happy
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