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Navy Federal super disappointing SL :(

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Regular Contributor

Re: Navy Federal super disappointing SL :(

Same boat. I decided to wait it out for 6  months to a year to see what that brings.



Message 11 of 27
Established Contributor

Re: Navy Federal super disappointing SL :(

wait for 91+ days and apply for 2nd card and Navy can be very GENEROUS with Massive CL Smiley Wink just be patient.

 





Amex Platinum NSPL || Amex Everyday $10K || Amex BonVoy $16K || Amex HH Surpass $2K || Aviator AA $7.6K || Citi AA $7.2K || Citi Costco $5.5K || NFCU CashReward $26K || Blispay $5K || Discover $12.8K || Paypal Credit $7.6K || VS card $4.1K || Walmart store $8.5K
Message 12 of 27
Regular Contributor

Re: Navy Federal super disappointing SL :(

I agree with most, be happy it was an approval vs decline. I feel you are in better shape than I was.

I was declined in 9/5/18, applied for secured after decline and approved for $500. Used it running maybe 1500 through it. Applied for flagship on 11/5/18, approved for $10k. I know its best to wait now for 91/3 but I didnt know it at the time. I was also approved that same day for $15k CLOC. So they like relationships and history.
ETFCU Auto Loan - NFCU CLOC $15k

In My Wallet:

NFCU Flagship Visa $17k
ETFCU Prim Plus MC $5k
NFCU More Rewards Amex $3k
Amex Marriot Business Bonvoy $3k
DiscoverIT $2.2
Amex Hilton Honors $1k

Dresser Wallet:

Wayfair $9k
JC Penny $6k
Walmart $3k
Zales $2.45
Belk $1.5k

Business Accounts:

Amazon Corporate $4.5k
Fuleman Fleet $1.2k
BP Business Solutions $1.2k
Staples $1k
Office Depot $1k
Quill $0.1k
Uline $0.1k

Sock Drawer:

CapOne QS1 $1.55k
Merrick Bank $1.4k
Amex Delta Blue $1k
USAA Classic Amex $0.5k
CarCare $0.5k
PayPal MC $0.3k
Target $0.3k

RIP:

Best Buy Visa $4k (AA)
Sportsman Guide Visa $2.5 (AA)
Citi AAdvantage $2.5k (AA)
Mattress Firm $1.5k (Closed for no activity)
Finger Hut $1k (Closed for no activity)
Home Depot $0.5k (AA)
Shell Gas $0.5k (AA)
CapOne Platinum $0.7k (Combined into QS1)
Credit One MC $0.45k (Closed)
Credit One Visa $0.8k (Closed)
First Premier Visa $0.7k (Closed)
Indigo $0.3k (Closed)
Avant $0.3k (Closed)
Message 13 of 27
Valued Contributor

Re: Navy Federal super disappointing SL :(

I'm in a similar situation to the OP, having applied for the NFCU Cash Rewards Visa in late August and only getting a $1K SL. I've both used and paid that card generously over the last five months, so I figure I'm getting near to where I can try asking for a CLI. I do remember being told, when I asked about it/searched the forum a while back, that while 91/3 is the minimum for requesting a CLI, it's often considered better to give it 6 months/statements in order to optimize building your history with them. I haven't really considered applying for another NFCU card because I'm focusing on growing my existing cards and getting my inquiries aging off my reports for at least the next few months (except for CLI requests which require HP's), and also I think my current card profile is pretty much filled out already; if I apply for another card during this year, it'll probably be an Amex once my BK discharge has aged enough that I can start getting pre-qualified/pre-approved offers from them.

Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
Message 14 of 27
Super Contributor

Re: Navy Federal super disappointing SL :(


@joe8185 wrote:

I'm in a similar situation to the OP, having applied for the NFCU Cash Rewards Visa in late August and only getting a $1K SL. I've both used and paid that card generously over the last five months, so I figure I'm getting near to where I can try asking for a CLI. I do remember being told, when I asked about it/searched the forum a while back, that while 91/3 is the minimum for requesting a CLI, it's often considered better to give it 6 months/statements in order to optimize building your history with them. I haven't really considered applying for another NFCU card because I'm focusing on growing my existing cards and getting my inquiries aging off my reports for at least the next few months (except for CLI requests which require HP's), and also I think my current card profile is pretty much filled out already; if I apply for another card during this year, it'll probably be an Amex once my BK discharge has aged enough that I can start getting pre-qualified/pre-approved offers from them.


I hate to tell you this, but when you apply for a CLI with NFCU, it's usually a hard pull. You have a better chance of avoiding the HP if you apply shortly after their FICO score on the site for you is updated -- usually about a week into the month. But even then a HP is more likely than a SP.


Total revolving limits 639500 (558000 reporting)
Message 15 of 27
Valued Contributor

Re: Navy Federal super disappointing SL :(


@SouthJamaica wrote:

@joe8185 wrote:

I'm in a similar situation to the OP, having applied for the NFCU Cash Rewards Visa in late August and only getting a $1K SL. I've both used and paid that card generously over the last five months, so I figure I'm getting near to where I can try asking for a CLI. I do remember being told, when I asked about it/searched the forum a while back, that while 91/3 is the minimum for requesting a CLI, it's often considered better to give it 6 months/statements in order to optimize building your history with them. I haven't really considered applying for another NFCU card because I'm focusing on growing my existing cards and getting my inquiries aging off my reports for at least the next few months (except for CLI requests which require HP's), and also I think my current card profile is pretty much filled out already; if I apply for another card during this year, it'll probably be an Amex once my BK discharge has aged enough that I can start getting pre-qualified/pre-approved offers from them.


I hate to tell you this, but when you apply for a CLI with NFCU, it's usually a hard pull. You have a better chance of avoiding the HP if you apply shortly after their FICO score on the site for you is updated -- usually about a week into the month. But even then a HP is more likely than a SP.


Actually, yes, I do know - so I'm going to have to check back to see when they next update my FICO score. I think it was last updated earlier this month, so if they're doing it every other month (I seem to remember they do), I'll have to make sure to try the CLI early next month. I'm expecting a HP anyway, which is why I said "except for CLI requests requiring HP's". The thing is that I believe they check Equifax and I have two EQ HP's dropping off in February.

Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
Message 16 of 27
Frequent Contributor

Re: Navy Federal super disappointing SL :(

I was very underwhelmed with my $500 limit on my first Navy card too.

I got my garden goal timer ticking down to the 6 month mark and so far EQ 09 score has gone up 40 points.

From the reports here I'm fairly confident I'll get a nice SL on that 2nd card.







Message 17 of 27
Community Leader
Mega Contributor

Re: Navy Federal super disappointing SL :(

Next Navy AR should be in March
#ChaseCreditCardHobby Enthusiast
2022
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Message 18 of 27
Established Member

Re: Navy Federal super disappointing SL :(

OP

 

So strange that you got $1K SL with your profile... But look at the responses you've been getting from everyone.

 

Basically, give it time because yeah, you got this! Congrats on the approval! 

Message 19 of 27
Frequent Contributor

Re: Navy Federal super disappointing SL :(

Apply for a 2nd/Different card?  I dont recall if you can get two at once but I believe SL's vary for whatever reason lol (I think?)









Message 20 of 27
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