Approved but disappointed

[Mr_Mojo_Risin]

Sorry the CL isn't very useful for you.

Maybe you could have some luck combining CLs, but don't think they're doing that anymore.

Congrats anyway though.

[Mr_Mojo_Risin]

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@cashorcharge wrote:

In my relationship with them:

1st was small

2nd was large

3rd was small again

CLI requests at 91/3 and 6 months have never been denied or countered for less than requested

It'll happen.....

Congratulations on your NFCU approval!! 👏🏼🎉🍾

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@WhiteCollar  as CC mentions here about the CLIs, after 3 months you have a very good chance of picking up another 8K, so you can look forward to that.

[WhiteCollar]

Thanks everyone for the congrats and advice/comments! I did a recon on the starting CL and it was bumped up to $5.5k, again not what I expected but still grateful. I plan to inquire about reallocating and I'll request a CLI in 91 days. The plan for the card is to soley be used for BTs only so my goal is accomplished! 5.99% is pretty darn great in my opinion. Off to the garden I go! 

[Mr_Mojo_Risin]

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@WhiteCollar wrote:

Thanks everyone for the congrats and advice/comments! I did a recon on the starting CL and it was bumped up to $5.5k, again not what I expected but still grateful. I plan to inquire about reallocating and I'll request a CLI in 91 days. The plan for the card is to soley be used for BTs only so my goal is accomplished! 5.99% is pretty darn great in my opinion. 

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That's great news, glad the recon helped out some.

[Rebuild2019]

Congrats @WhiteCollar on your recon success.

[M_Smart007]

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@WhiteCollar wrote:

Thanks everyone for the congrats and advice/comments! I did a recon on the starting CL and it was bumped up to $5.5k

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@WhiteCollar, Congrats on your successful recon mission 🪖🎖️🇺🇸

[collics]

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@WhiteCollar wrote:

Thanks everyone for the congrats and advice/comments! I did a recon on the starting CL and it was bumped up to $5.5k, again not what I expected but still grateful. I plan to inquire about reallocating and I'll request a CLI in 91 days. The plan for the card is to soley be used for BTs only so my goal is accomplished! 5.99% is pretty darn great in my opinion. Off to the garden I go! 

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That's excellent! Much better than the original limit. 

[Duriel]

Congrats on your approval! I've been thinking about product changing my cash rewards to platinum. The $43,500 total limit navy has given me is over half of my income so I don't think a third card would have a high limit. Anyone ever product changed with them before? My cash rewards has their lowest rate. Would I keep the lowest tier on product change or would it potentially be higher?

[WhiteCollar]

My lowest rate is 9.65% on the Flagship which is the lowest rate available. My rate (outside of the BT offer of 5.99%) is 10.99% for the platinum. Bummed that I did not get the lowest rate but given this card will soley be used for BTs it's not a deal breaker. 

You should only be concern with the rate if you carry balances. 

[Duriel]

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@WhiteCollar wrote:

My lowest rate is 9.65% on the Flagship which is the lowest rate available. My rate (outside of the BT offer of 5.99%) is 10.99% for the platinum. Bummed that I did not get the lowest rate but given this card will soley be used for BTs it's not a deal breaker. 

You should only be concern with the rate if you carry balances. 

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I'm not carrying anything I can't pay off (0% intros) but I'm trying to future proof and since I got flagship, cash rewards isn't all that useful.