Your second app was denied due to 91/3. No hp would be needed. Next app can be after 91 days and 3 statement cuts. Congrats on the graduation and getting in with NFCU.
Oh Okay. Would I need to wait that amount of time for a CLI as well? How often does Navy do automatic credit increases?
Maybe I'll hold off on any additional apps until next year.
Yes after 91/3 you can request CLI, however it will be a HP on your EQ. Not sure how navy figures the auto increases, someone with more exp will have to chime in on that one. However, I would def suggest reading the NFCU CLi thread, lots of good info there.