Personal Experiences With NFCU CLI?

[Anonymous]

Hello all, my Navy Federal Visa Signature Cash Rewards will reach its 91st day/3rd billing cycle on August 13th. I am curious how everyone has experienced their CLI approval odds to be?

My SL is 10K, I charged $1,750 in June for some dental work and my first payment I paid on that was $150 (min payment was listed as $35 but I paid $150). I'm planning on paying another few hundred down on it in August prior to the third cycle cutting.

How do I go about the CLI in August, in your experience have you been the most successful asking for max or asking for a smaller amount? I am happy to ask for 5K but I worry I'll be leaving money on the table. Also what was your balance vs SL when you asked for the CLI?

[peghede]

Ask for 25k

[Brian_Earl_Spilner]

Here's a 742 page thread on the topic.

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Thread-for-CLI-and-Additional...

[pipeguy]

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@Anonymous wrote:

Hello all, my Navy Federal Visa Signature Cash Rewards will reach its 91st day/3rd billing cycle on August 13th. I am curious how everyone has experienced their CLI approval odds to be?

My SL is 10K, I charged $1,750 in June for some dental work and my first payment I paid on that was $150 (min payment was listed as $35 but I paid $150). I'm planning on paying another few hundred down on it in August prior to the third cycle cutting.

How do I go about the CLI in August, in your experience have you been the most successful asking for max or asking for a smaller amount? I am happy to ask for 5K but I worry I'll be leaving money on the table. Also what was your balance vs SL when you asked for the CLI?

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You don't in August, it will cost you a hard pull - wait until the first week of September when they update your FICO score on site by an AR (soft pull) - then you apply for a CLI.