PenFed/NFCU CLI??? When to Try?

[Anonymous]

Both of my NFCU and Penfed cards will hit 90 days next week. When should I try for my first CLI? I have GoRewards @3300 & Penfed Siggy @ 6K, also Navy CLOC at 10,000.

When should I try 2nd Card??

[Jnbmom]

Not sure but would love to know people's expericences.

[Anonymous]

NFCU is after 91 days from account opening. You also need to have 3 statements cut as well

[Anonymous]

My 3rd NFCU statement will cut 5/23 and 91 @5/09

[Anonymous]

Check your FICO score on NFCU and when they update it, that is a good time to apply. That is what I did for my CLI with my NFCU AmX card. SP, too. I did it at six months.  Just my take on it. Good luck. 

[Anonymous]

FICO 9 for NFCU still says March 13th @ 704

[Anonymous]

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@Anonymous wrote:

Check your FICO score on NFCU and when they update it, that is a good time to apply. That is what I did for my CLI with my NFCU AmX card. SP, too. I did it at six months.  Just my take on it. Good luck. 

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Ok, checked NFCU this morning, low and behold Fico updated TODAY to 707. It's been 3 months though. Should I request increase now or later?

[Anonymous]

I got my Penfed PCR last July and got a CLI in November, but was turned down in March; I'm probably going to wait to see if anything comes up in the quarterly offers before trying again (which means early July).

[empressj]

Hi All,

I’m 18 months post BK DC.
Recently apped and was approved 1k for Platinum card the end of Mar 2018.

Since my FICO score has updated, whats my chances of approval for Go Rewards?

Score increased 605 to 649. Thoughts?

[Anonymous]

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@Anonymous wrote:

I got my Penfed PCR last July and got a CLI in November, but was turned down in March; I'm probably going to wait to see if anything comes up in the quarterly offers before trying again (which means early July).

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So, with Penfed, you tried after 4 months for your first CLI? [Approved] then tried four months later for another [Denied]? Is this correct? Did you purposed wait till four months vs 3 months, initially?