Official NFCU CLI Guide

[Anonymous]

Was it instant approval online on the PLOC or did you have to send them in anything?

I'm hoping for an instant $15K PLOC approval and then after that's out of the way applying for a Flagship Visa and hoping to get another instant approval of $15K-$25K.

[irunfromcredit]

I am pretty certain you will get the full $15 if you were approved for $25k on the CC.  It was not an instant approval because I had a fraud alert on my credit reports, but once I was verified I was approved instantly for the full $15k.  

[Creditaddict]

We might need to do Official Navy Guide Part 3!:

I think getting a 2nd card is completely different with Navy now than it use to be... Take my friend who got $2900 after review on his first card and before his 2nd statement and after making a couple payments to bring him down to like $1500 from being maxed out and his score going up from 580 range to 615 range he was instantly approved for $6100 on a 2nd card.

So actually unlike in the past of getting high limit and then fall back on moving limit to get your 2nd card, I think you might be better off getting the 2nd card much earlier these days especially if you have seen a big jump in your credit... and by that I mean a jump of 20-40 points probably gets you into a new tier with you.

[Anonymous]

Fingers crossed on the PLOC for me.

What exactly did you have to send in to NFCU for verification?

[Creditaddict]

Usually Navy just asks for 2 paystubs if anything.

Unless you have fraud alert or something.

[Anonymous]

"We might need to do Official Navy Guide Part 3!"

Like Yoda says there is no "might need to do" only do and start another second NFCU card thread.

[Creditaddict]

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@Anonymous wrote:

"We might need to do Official Navy Guide Part 3!"

Like Yoda says there is no "might need to do" only do and start another second NFCU card thread.

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HAHA

[irunfromcredit]

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@Creditaddict wrote:

We might need to do Official Navy Guide Part 3!:

I think getting a 2nd card is completely different with Navy now than it use to be... Take my friend who got $2900 after review on his first card and before his 2nd statement and after making a couple payments to bring him down to like $1500 from being maxed out and his score going up from 580 range to 615 range he was instantly approved for $6100 on a 2nd card.

So actually unlike in the past of getting high limit and then fall back on moving limit to get your 2nd card, I think you might be better off getting the 2nd card much earlier these days especially if you have seen a big jump in your credit... and by that I mean a jump of 20-40 points probably gets you into a new tier with you.

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I am all for a NFCU guide Part 3!  Did you friend get a lower APR on the second card? That is what I am looking to get. I would like to get the Platinum and hopefully at a rate under 9%.  

My score has not moved much since my initial approval..I think 3 points.  But like your friend I was approved for a CLI after my second statement!

[Creditaddict]

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@irunfromcredit wrote:

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@Creditaddict wrote:

We might need to do Official Navy Guide Part 3!:

I think getting a 2nd card is completely different with Navy now than it use to be... Take my friend who got $2900 after review on his first card and before his 2nd statement and after making a couple payments to bring him down to like $1500 from being maxed out and his score going up from 580 range to 615 range he was instantly approved for $6100 on a 2nd card.

So actually unlike in the past of getting high limit and then fall back on moving limit to get your 2nd card, I think you might be better off getting the 2nd card much earlier these days especially if you have seen a big jump in your credit... and by that I mean a jump of 20-40 points probably gets you into a new tier with you.

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I am all for a NFCU guide Part 3!  Did you friend get a lower APR on the second card? That is what I am looking to get. I would like to get the Platinum and hopefully at a rate under 9%.  

My score has not moved much since my initial approval..I think 3 points.  But like your friend I was approved for a CLI after my second statement!

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Yes, it's lower by 1-2% I think it is.

No 2nd card, not CLI.

His CLI was declined.

I think it helped that the Credit Card APP is TU and CLI was EQ.

[Anonymous]

My long term strategy with NFCU after reading over 1000 pages on NFCU (don't judge my OCD is REALLY bad ) on this forum was to get an instant $25K CC approval on the Flagship ($200 cash for $3K spend convinced me to apply for the CashRewards Visa first) and I got the full $25K on 9/1/16.

Then I wait at least 90 days (12/1/16 or later) to apply for the PLOC (hopefully get the instant $15K max) and then apply for a second credit card (Flagship Visa) on 12/10-12/15/16 and hopefully get an instant $15K+ limit approval. 

I want to get both my NFCU CC's to $25K limits and PLOC to $15K BEFORE I poke the NFCU underwriting bear and ask for CLI's over $25K and POI will be asked for.

Sound like a decent strategy @CA?