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When should/would I be able to request another CLI with Navy Federal?

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Anonymous
Not applicable

When should/would I be able to request another CLI with Navy Federal?

Started building my credit in December, got their gorewards($2500 limit) and nrewards secured.

 

Hit 6 month mark, got denied for More Rewards (reason: reached NF's maximum unsecured credit limit) so I went ahead and did a CLI on the gorewards. They upped the limit to $3500, so I did another CLI and they upped it to $4000, still using the HP from the denial of More Rewards. Reason for not doing any higher was I've reached maximum unsecured credit limit with them.

 

7th statement(this month) hits and my nrewards graduates to cashrewards with a $2k limit. I tried getting a CLI on that card to match the gorewards, but it's been a few days and haven't heard anything back yet(no HP). Would the 91/3 still apply for me or do I have to wait 6 months from CLI last month? I would like to get a 3rd card with them but I'm at 4/24 right now and I want my next card to be chase if they accept me haha. Waiting until I have at least 1 year credit history(5 more months or so!). Thanks in advance!

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coldfusion
Credit Mentor

Re: When should/would I be able to request another CLI with Navy Federal?

Welcome to the forums!

 

As a general note, there's a great thread here dedicated to Navy Federal full of information and frequented by members who could tell you more than you could ever possibly want to know about NFCU and CLIs.   You may want to start from the end and work backwards if you're searching, or just go ahead and ask your questions there.

 

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

(7/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 2 of 3
M_Smart007
Legendary Contributor

Re: When should/would I be able to request another CLI with Navy Federal?


@coldfusion wrote:

Welcome to the forums!

 

As a general note, there's a great thread here dedicated to Navy Federal full of information and frequented by members who could tell you more than you could ever possibly want to know about NFCU and CLIs.   You may want to start from the end and work backwards if you're searching, or just go ahead and ask your questions there.

 

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


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