Greetings and Salutations myFICOers!!!
I just received my 3rd More Rewards card statement and 91 days have past since that Card was approved so, I decided to app for the Flagship card to complete my NAVY FEDERAL CC Trifecta.
I phoned in the app and after providing all of my information to the Ref, she announced that I was approved with a $15,000 SL and a 16.99% APR. I know that's HIGH, but according to the documented credit qualifications for this card, I don't qualify because my TU FICO score is 734 - Good. The published credit range for this card is Very Good to Excellent so, I guess my internal NFCU score helped me qualify.
Next, I decided to request a SP CLI for my More Rewards card. I was warned by 3 different avenues (online, CHAT, and phone call to a Rep) that a HP is now required for a CLI. So, based on the STUMBLING Financial Markets, I told the phone Ref to go ahead and complete my CLI request. I decided at this time that I have the best opportunity for the foreseeable future. Phone Ref gave me the 48 Hour Message. And so, the Wait Clock started!
Fast Forward to this morning - I logged into my account to check for any progress and noticed that $8,000 was added to my More Rewards CL for a new CL of $33,000! My Highest CL of ALL Time! 
DPs -
TU FICO8 - 734
AoOA - 7.9 years
AAoA - 2.2 years
AoYA - 2 months
Income - $100K+
UTIL - 3%, from TU Report
PIF all accounts every month (AFTER statements cut) with the exception of approximately $2,400 on my Citi DoubleCash card (still in 0% Promo interest period)
MANY Thanks to my good friend @SFLSpotter9210 for showing me How It's DONE and ALL of the myFICO Posters who have shared their NFCU success stories!
Congratulations on your approval and CLI!
@Marz2002 wrote:Greetings and Salutations myFICOers!!!
I just received my 3rd More Rewards card statement and 91 days have past since that Card was approved so, I decided to app for the Flagship card to complete my NAVY FEDERAL CC Trifecta.
I phoned in the app and after providing all of my information to the Ref, she announced that I was approved with a $15,000 SL and a 16.99% APR. I know that's HIGH, but according to the documented credit qualifications for this card, I don't qualify because my TU FICO score is 734 - Good. The published credit range for this card is Very Good to Excellent so, I guess my internal NFCU score helped me qualify.
Next, I decided to request a SP CLI for my More Rewards card. I was warned by 3 different avenues (online, CHAT, and phone call to a Rep) that a HP is now required for a CLI. So, based on the STUMBLING Financial Markets, I told the phone Ref to go ahead and complete my CLI request. I decided at this time that I have the best opportunity for the foreseeable future. Phone Ref gave me the 48 Hour Message. And so, the Wait Clock started!
Fast Forward to this morning - I logged into my account to check for any progress and noticed that $8,000 was added to my More Rewards CL for a new CL of $33,000! My Highest CL of ALL Time!
DPs -
TU FICO8 - 734
AoOA - 7.9 years
AAoA - 2.2 years
AoYA - 2 months
Income - $100K+
UTIL - 3%, from TU Report
PIF all accounts every month (AFTER statements cut) with the exception of approximately $2,400 on my Citi DoubleCash card (still in 0% Promo interest period)
MANY Thanks to my good friend @SFLSpotter9210 for showing me How It's DONE and ALL of the myFICO Posters who have shared their NFCU success stories!
Did you end up with a HP for the CLI?
Congratulations on your trifecta and CLI, and great feedback for us NFCU fans as we enter these uncertain times.
