I was denied today by NavyFed for an CLI on my Visa Rewards(5K CL)😢. I was so upset.. I have had the card for three years and never asked for a increase.
But then I did a search, and saw a lot people who had also been denied for CLI’s but approved for the other reward cards. So, I took the chance after chickening out 3 times, and I hit the send button...they instantly gave me a 20K approval!! So happy, and in shock!
Thanks again to this forum for inspiring me to take the leap!
Super Congrats on your Navy Fed $20,000 Amex approval!
You were right to do a search. With Navy Fed, when one door closes (CLI denial),
another one opens (2nd card approval). You didn't specify how much of a CLI you
requested, but I'm sure the amount pales in comparison to $20,000. Well done!
BTW, your Navy Fed internal scores must be really high. The FICOs you listed
are modest, but apparently your 3 year history had a lot to do with your approval.
Congrats again on your success. Thanks so much for sharing!