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First Navy CLI since joining last year!

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DeeBee78
Valued Contributor

First Navy CLI since joining last year!

I joined NFCU last year, after years of thinking I was ineligible for membership, but turned out to be double eligible between my father's army service and my grandfather's navy service. 

 

I got approved for a CashRewards+ card with a $7,100 starting limit (ignore the typo that I can't edit in my old post) and tried the 91 day CLI after putting almost $6K in charges on it and PIF. No joy. I kept trying every 20-30 days, putting charges on it here and there, but still wasn't getting anywhere. 

 

Last month I ran the card up to $5,500, paid it down to $3,500 before the statement cut, and waited. Today I bit the bullet, expecting another denial, but instead was rewarded with an increase to $13,100! It's not the $8K max increase, but I will definitely take it! Finally on that Navy Gravy Train™




Message 1 of 13
12 REPLIES 12
Tdatb64
Frequent Contributor

Re: First Navy CLI since joining last year!

Congrats!

Message 2 of 13
Zoostation1
Valued Contributor

Re: First Navy CLI since joining last year!

Congrats on the CLI! You're starting limit was the same as mine.

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
June 2022 FICO 10:
June 2022 FICO 10T:
May 2026 FICO 8:
May 2026 FICO 9:
May 2026 FICO 10:
May 2026 FICO 10T:
Message 3 of 13
Vinjints
Established Contributor

Re: First Navy CLI since joining last year!

I'd count that as a win. I don't recall seeing too many DPs on what Navy actually wants for increases. Maybe it was just some additional time, and not necessarily more spend. 

NFCU Flagship (Daily 2% + Travel) | USAA Rewards (AoOA = 26y)

Aven Rewards (Groceries) | Chase Prime (Amazon) | Citi Custom Cash (Dining) | Elan MCP (Utilities)

EX(F8) 784 | EQ(F8) 801 | TU(F8) 800 | EQ(F9) 823 | EQ(BC8) 815

On the Radar: Langley | Kroger | AmEx | Discover

Message 4 of 13
RobertS2
Established Member

Re: First Navy CLI since joining last year!

That's awesome. You went up in rank Smiley Happy

Message 5 of 13
cashorcharge
Community Leader
Super Contributor

Re: First Navy CLI since joining last year!

WOOHOO!! Congratulations on your Approvals!!👏🏼🍾🥂

Message 6 of 13
Copenix
Frequent Contributor

Re: First Navy CLI since joining last year!

Congrats on your CLI

Building credit in the U.S. since January 2022

Current cards:

Total Credit Limit $117.8K | Utilization 0.9%

FICO 8s March 2026


Message 7 of 13
pizzadude
Credit Mentor

Re: First Navy CLI since joining last year!

Congrats on the Navy luv !  You'll get that $8K soon enuff Smiley Very Happy

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 8 of 13
bluenote-lp
Valued Member

Re: First Navy CLI since joining last year!

Great job!

Message 9 of 13
bigpoppa09
Valued Contributor

Re: First Navy CLI since joining last year!


@DeeBee78 wrote:

I joined NFCU last year, after years of thinking I was ineligible for membership, but turned out to be double eligible between my father's army service and my grandfather's navy service. 

 

I got approved for a CashRewards+ card with a $7,100 starting limit (ignore the typo that I can't edit in my old post) and tried the 91 day CLI after putting almost $6K in charges on it and PIF. No joy. I kept trying every 20-30 days, putting charges on it here and there, but still wasn't getting anywhere. 

 

Last month I ran the card up to $5,500, paid it down to $3,500 before the statement cut, and waited. Today I bit the bullet, expecting another denial, but instead was rewarded with an increase to $13,100! It's not the $8K max increase, but I will definitely take it! Finally on that Navy Gravy Train™


Congrats it sounds like when Navy approved u for the card they gave u the Max for your profile and as someone else said i dont think it was the spend that got u the increase. It was your account got some age on it i put no where near that spend on my card and my last two NFCU CLIs have been the 8K max.  With that increase amount i believe they are warming up to u your next one will probaly be the 8K max. And next request if it isnt instant dont fret i allways request at 6AM and by 7PM it shows on the account will be looking for your next post about your 8K max increase.Smiley Wink

Message 10 of 13
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