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Can confirm the max 3x CLI for low-SL Navy Fed cards. What next?

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BuckyB
New Contributor

Can confirm the max 3x CLI for low-SL Navy Fed cards. What next?

NFCU started my More Rewards card out at a **bleep** limit of $500 three months ago.  93 days later (late last night) I applied for a CLI.  Having read about the 3x cap on CLIs for crap SLs, I asked for $2000.  It wasn't instant but a couple hours later (in the dead of night, actually) I checked my NFCU app and it indicated that the limit was raised to $1500.  Pretty much exactly what I expected and in line with other DPs regarding NFCU CLIs for low-SL cards.

 

If I'm not mistaken, I now wait 181 days before next request for CLI.  Is that right?  What should I ask for at that time?  Thank you.

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12 REPLIES 12
SUPERSQUID
Valued Contributor

Re: Can confirm the max 3x CLI for low-SL Navy Fed cards. What next?

Firstly, CONGRATS on that cli.

Don't fret, my Platinum started with a 1k sl 4/2022. The card presently has a 15k limit.

Have patience and manage your account wisely and request cli's at prescribed intervals and that card should grow quickly, ymmv.

 

Always request the max 8k cli increase, they will counter with a lower amount as they feel. I never got the full 8k but usually 6k which is great considering what other cards offer in cli's.

 

You have to wait at least 181 days and 3 full statements from the time you were approved for a cli. I always waited an extra month on both my NAVY cards, I was never denied.

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 5800 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4650, Penfed PCR signature visa 10k/ penfed gold 5600 /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 above 50 pct.
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017
Message 2 of 13
JoeRockhead
Senior Contributor

Re: Can confirm the max 3x CLI for low-SL Navy Fed cards. What next?

Congratulations on the increase. As mentioned above, ask for the max of $8k in 6 months. If they can't do it, they'll counter. Navy cards are easy to grow with minimal effort. 

Message 3 of 13
M_Smart007
Legendary Contributor

Re: Can confirm the max 3x CLI for low-SL Navy Fed cards. What next?

Congratulations on your Navy CLI 🎉

Message 4 of 13
SouthJamaica
Mega Contributor

Re: Can confirm the max 3x CLI for low-SL Navy Fed cards. What next?

Congratulations on your CLI approval.


Total revolving limits 569520 (505320 reporting) FICO 8: EQ 696 TU 689 EX 676




Message 5 of 13
CreditAggie
Community Leader
Super Contributor

Re: Can confirm the max 3x CLI for low-SL Navy Fed cards. What next?

Congratulations on your NFCU CLI!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (March 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 6 of 13
cashorcharge
Community Leader
Super Contributor

Re: Can confirm the max 3x CLI for low-SL Navy Fed cards. What next?

WooHoo!! Congratulations on your Approval!!👏🏼🍾🥂

Message 7 of 13
KingRue8500
Senior Contributor

Re: Can confirm the max 3x CLI for low-SL Navy Fed cards. What next?

Congrats on your NFCU More Rewards CLI




Message 8 of 13
Meanmchine
Super Contributor

Re: Can confirm the max 3x CLI for low-SL Navy Fed cards. What next?


@SUPERSQUID wrote:

 

 

You have to wait at least 181 days and 3 full statements from the time you were approved for a cli. I always waited an extra month on both my NAVY cards, I was never denied.


I miscalculated once and was instantly denied.  I called in to ask if I had to unfreeze my TU file.  The rep, in a snotty attiitude told me I had just applied for a CLI 5 months prior. Thats the last time I will miscalculate with Navy.

 

Congrats on your Navy luv.

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>3/2025 All 3 reports 845 - 850(F8) F9s = 835ish but my app finger is still twitching
Message 9 of 13
MartyWrite75
Valued Contributor

Re: Can confirm the max 3x CLI for low-SL Navy Fed cards. What next?

Congratulations on your CLI!

February 2025: Experian 779; Equifax 781; Transunion 781


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $6,800 (Sock drawer) || Discover It: $15,400 || Cap One Savor One: $600 (Sock drawer) || AMEX BCP: $8,900 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $7,500 || Citi Custom Cash: $15,500 || Verizon VS Visa: $18,000 || Amex Hilton Honors: $12,000 || Amazon (Chase) Prime Rewards (VS): $9,500

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 5/2025(ideally)
Total Utilization: 11%
Inquiries: Exp: (1) Trans: (0) Equif: (0)

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