Baby auto CLI from NFCU (does this screw me over?)

SmileNWave · ‎09-15-2022

I've been counting down the days since I was able to get a CLI on my More Rewards Amex. But today, I logged into Experian and saw this

On the plus side, I'm happy that Navy is loosening the purse strings, and that I got a CLI earlier than I should've. But now I'm wondering if this means that I've got to wait another 181 days from now to ask for a full $8000 CLI? Hopefully not, cause that'd be lame.

SUPERSQUID · ‎09-15-2022

Unfortuneatly that auto 2k cli does reset the clock and now you have to wait the 181.6 full. what some of us do to prevent that from happening is to call in to NAVY and ask the csr to block further automatic cli's on that card.

{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017

SmileNWave · ‎09-15-2022

@SUPERSQUID wrote:
Unfortuneatly that auto 2k cli does reset the clock and now you have to wait the 181.6 full. what some of us do to prevent that from happening is to call in to NAVY and ask the csr to block further automatic cli's on that card.

I wonder if that's their polite way of saying "Don't ask for $8000 cause you're not getting it", lol

GZG · ‎09-15-2022

Could you send in a secure message and decline the CLI, would that reverse the resetting of the clock?

Starting FICO 8:

Current FICO 8:

3/6, 5/12, 14/24

Stealth-1 · ‎09-15-2022

Congrats on the auto CLI. Agreed, that's a legit concern.

Navy Federal Cash Rewards Signature Visa: $30,000

Navy Federal Flagship Rewards Signature Visa: $25,000

Navy Federal More Rewards American Express: $25,000

Synchrony Premiere World Mastercard: $18,000

American Express Blue Cash Preferred: $5,000

American Express Blue Cash Everyday: $30,000

Navy Federal Checking Line of Credit: $15,000

Bank of America Cash Rewards World Mastercard: $35,000

Wells Fargo Rewards Signature Visa: $17,500

"If you don't stand for something, you might fall for anything."

nytokyobred79 · ‎09-15-2022

Congrats but I understand your thoughts on this. It's too bad that an auto cli resets the clock.

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $205, 500 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
(pc'd from SkyMiles Platinum back to Blue)
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20K | CL- $39K
Cap 1 Venture Rewards- SL $10K | CL $ 20.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $36.8K
BOA Unlimited Cash SL: $20.8K| CL $10.8K(moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Everyday SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K

SmileNWave · ‎09-15-2022

@GZG wrote:
Could you send in a secure message and decline the CLI, would that reverse the resetting of the clock?

Has anyone else done this? Don't wanna sour my relationship with Navy by being a pest

GZG · ‎09-15-2022

@SmileNWave wrote:
@GZG wrote:
Could you send in a secure message and decline the CLI, would that reverse the resetting of the clock?

Has anyone else done this? Don't wanna sour my relationship with Navy by being a pest

I have no idea if that's actually a thing, I would see if anybody else could chime in on that.

Making the call to prevent all future auto-CLI's might be helpful though for the future

Starting FICO 8:

Current FICO 8:

3/6, 5/12, 14/24

coreyb80 · ‎09-15-2022

Congrats on the increase!

KingRue8500 · ‎09-15-2022

Congrats on your NFCU More Rewards AMEX Auto CLI