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NFCU Flagship VS 3rd CLI

SG43
Valued Member

NFCU Flagship VS 3rd CLI

starting limit 23.1k, 9.99%

First cli 90 days 3rd statement 23.1k-27.1k

second 180 days/ 6 statements 27.1k-31.1k.
third 180 days/ 6 statements 31.1k-39.1k

 

total current exposure 68.1k

 

second card, plat 25k SL at 5.99% hit 3rd statement and bumped to 29k.

this will hit 180/6 in January and get another boost to 37 making total cc exposure 72.1k

leaving room for one final cli to be maxed out.

 

relationship with NFCU/dps

member since 2006 (when enlisted)

closed account in 2008/used bank. Had neg balance/left them on the hook for like 50$ or something. Paid balance in 2019 or 2020 and opened new account- still shows member since 2006.

one CC with them, opened 2006, closed 2007, no negative remarks.

it still reports on my equifax as my oldest cc.
I set them up for direct deposit and they receive about 125k-140k a year in DD.

opened a vehicle finance 9/2020. 60m for 50k at 2.1%.
current fico 8 from here and fico9 from navy fed Below.

 

 

fyi I started my credit journey in 2014 when I didn't understand why I could not get approved for an American Express gold card despite my high income and realized how much $ I would save on vehicle loans and mortgages if I actually used CC's and monitored and cared for my credit. That's when I app'd for a CC from first premier, cap1 and discover. Credit karma recently sent me an email reminding me that 7 years ago my credit score was a 631. 

 

I didn't get serious until I actually joined up and started participating here. Although I still mostly only lurk and read and not post.

 

scores have hovered over the last 6m between 785-815.


I am pausing credit seeking as I will be doing a new construction mortgage 1Q or 2Q next year. I am 4/24 right now but will be 3/24 or 2/24 by the time I am ready to get new cards. Watch out chase. I am coming for your subs.... again.

 

 

BF724417-451A-4D59-B615-82756A55DD59.jpeg

 

FD40AC6D-8874-468D-9B3C-251B25C73B7E.jpeg

 




Open Installments - Nfcu Auto, Cap1 Auto
Closed Installments - Chase Auto, Prosperity Bank
Closed Revolvers - Nfcu Plat, Citi Simp, Citi DC, Citi DP, Cap1 Plat, Cap1 V1, Chase FU, First Premier
Message 1 of 25
24 REPLIES 24
CreditMagic7
Super Contributor

Re: NFCU Flagship VS 3rd CLI

Congratulations on your NFCU CLI 

Message 2 of 25
Ilinferno
Frequent Contributor

Re: NFCU Flagship VS 3rd CLI

Congrats on all your success and the Navy CLIs!

Message 3 of 25
gdale6
Moderator

Re: NFCU Flagship VS 3rd CLI

Grats on your move on up!

Message 4 of 25
TSlop
Valued Contributor

Re: NFCU Flagship VS 3rd CLI

Congrats on your CLI!


Message 5 of 25
CreditAggie
Super Contributor

Re: NFCU Flagship VS 3rd CLI

Congratulations on your NFCU CLI!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (6/12/24 month):


Banks & CUs:

Goal Cards:



Message 6 of 25
coreyb80
Senior Contributor

Re: NFCU Flagship VS 3rd CLI

Congrats on the increase!

Message 7 of 25
Rebuild2019
Valued Contributor

Re: NFCU Flagship VS 3rd CLI

Congratulations 🎊🎈🎉 on your NFCU CLI.

CARDS: Discover It | QuickSilver One | Kohl’s | BBT Spectrum Cash Rewards | BBT Bright | PenFed Gold Visa | NFCU CashRewards | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 8 of 25
Great_Things_Ahead
Valued Member

Re: NFCU Flagship VS 3rd CLI

I'm loving that Navy Federal Credit Union! Congratulations on your progressive and consistent increases! 🎉🥳 Great job!

Message 9 of 25
Jordan23ww
Valued Contributor

Re: NFCU Flagship VS 3rd CLI

Congratulations on your limit increase and also thank you for all the data points! 

 




Message 10 of 25
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