NFCU CashRewards CLI at 1 year post BK

Anonymous · ‎07-29-2020

Appreciate the info! I will be applying for a chase card in 5-6 months to fill in my last 5/24 spot if approved. My "61 day" comes up on my amex bce next month where I heard you can(possibly) 3x cli, is this every 61 days or just first 61 days and then wait like..6 months or something between each CLI?

DebtStinks · ‎07-29-2020

Congrats on the CLI! Navy is awesome!

NFCU More Rewards AMEX $25000 (Opened 1/19) - NFCU Platinum $21000 (Opened 1/21) - TTCU Platinum Visa $10000 (Opened 10/18) - Discover $5500 (Opened 11/21) - Barclays View MC $5000 (Opened 1/19) - Capital One Platinum $3500 (Opened 2/19) - Capital One World Elite MC $1000 (Opened 3/21) - Target Store Card $2000 (Opened 10/18) - Floor & Decor Store Card $42500 (Opened 10/18)
Closed - PenFed $35,000 - Cap1 World Elite MC $11,200
Total CL - $115500

CH7 BK Filed 8/1/17 Discharged 11/7/17

Scores as of 2/18/21:

Inquiries Last 12 Months:

M_Smart007 · ‎07-29-2020

@Anonymous wrote:
Appreciate the info! I will be applying for a chase card in 5-6 months to fill in my last 5/24 spot if approved. My "61 day" comes up on my amex bce next month where I heard you can(possibly) 3x cli, is this every 61 days or just first 61 days and then wait like..6 months or something between each CLI?

@Anonymous

You have a good plan with the Chase 5/24

For the Amex card, 61 days from initial approval, then it is every 6 months after.

A lot more info here, and don't be shy about asking in this thread!

https://ficoforums.myfico.com/t5/Credit-Card-Applications/The-Definitive-Amex-3X-CLI-Guide/m-p/1811071#M5911

wantitgone · ‎07-29-2020

Thanks everyone! I guess I did end up asking for a CLI a bit earlier than six months. Honestly this year has just all smooshed together!

FICO 8 on 5/31/19 ~~ EQ: 608, TU: 545, EX: 585
BK 7 DC 7/9/19
FICO 8 on 01/31/2023 ~~ EQ: 693, TU: 677, EX: 678

NFCU CLOC $1,000

Apple Card 4,500
Williams Sonoma $1,250
NFCU CashRewards $2,500
NFCU Flagship $12,100
Navy Federal Platinum $25,000
PenFed Pathfinder $12,500
Kemba CU Platinum $3,500
Amazon Store Card (Synchrony) $1500
Paypal Credit $850
Capital One QS $2,000
Capital One Spark $2,000
Overstock Store Card $2,150

AAoA: EQ - 7y9mo, TU - 7y8mo, EX - 5yr7mo (as of 01/31/2023); INQ are 2 EQ, 6 TU, and 5 EX.

New Auto Loan with NFCU (May 2022): 32k for 3.49%/60 months

My DPs: as of January 2023, I am full-time employed, 55k/year, 2 federal consolidated loans plus 3 new student loans, had perfect payment history with 0 derogs until 90 day lates prior to filing BK in March 2019.

Anonymous · ‎07-29-2020

Thank you! Hopefully I get the CLI haha! At $1k limit at the moment.

cashorcharge · ‎07-29-2020

Congratultions!! Happy you're making great progress!

Re: NFCU CashRewards CLI at 1 year post BK

Re: NFCU CashRewards CLI at 1 year post BK

Re: NFCU CashRewards CLI at 1 year post BK

Re: NFCU CashRewards CLI at 1 year post BK

Re: NFCU CashRewards CLI at 1 year post BK

Re: NFCU CashRewards CLI at 1 year post BK