NFCU CR CLI from 2K to 6K

JM427 · ‎09-03-2022

I submitted a CLI request via the NFCU app on Tuesday (181 Days since card graduated from NRewards), gave me the 24 hour review notice. I heard nothing, so I called yesterday midday, and the CSR said it was declined, but it was definately not for being a little early on the request, and advised that I wait for the letter. I was skeptical and a little aggrivated so I submitted a new request an hour or so after calling the CSR, it went to 24 hour review. A couple hours later I checked the app, and the full 4K increase was showing in my available credit. That brings my CR to 6K and my platinum to 11.1K. Pretty happy!

FICO8 Scores as of 2020 JULY 14:

FICO 8 Scores as of 2022 JULY 3:

FICO 9 Scores as of 2022 JULY 3:

M_Smart007 · ‎09-03-2022

Congrats on your Navy CLI

coreyb80 · ‎09-03-2022

Congrats on the increase!

KingRue8500 · ‎09-03-2022

Congrats on your NFCU cashRewards CLI

Stealth-1 · ‎09-03-2022

Congrats on the CLI!

It seems the Navy Federal CSR experience can vary wildly based on who you get on the phone. Glad to hear your persistence paid off! 👍

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."

blindambition · ‎09-03-2022

Goooo Navy!!! Congrats on your CLI!! 🥳

CreditAggie · ‎09-03-2022

Congratulations on your NFCU CLI!

Current Cards (in order of approval):

Current FICO 8 | 9 (July 2026):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

cashorcharge · ‎09-04-2022

Woohoo! Congratulations on your Approval!!🎉🍾🥂

OmarGB9 · ‎09-04-2022

Congrats!

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

nytokyobred79 · ‎09-05-2022

Congrats on the CLI. Love that determination to make it happen 😁

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- about $240K | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20 | CL- $12K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $72K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K
U.S. Bank Shield Visa SL: $500, successfully manually reconned to $15K