NFCU Instant CLI Approval 8100 to 16000

titancylinder · ‎12-23-2023

Hello MyFicoers,

It's been a little while since I posted. I thought I would share my success in getting an instant CLI on my NFCU Platinum account. An instant CLI from 8100 to 16000. 0% utilization on both my NFCU cards.

My journey with this card and NFCU in general has been dreadfully slow. Much slower than any creditor, however, they've been the most generous. I've had this card for nearly 3 years before Navy started giving me increases. Now, all increases on both my cards have been instant to date.

Basic info at the time of CLI:

EQ F9 761
TU F9 777
TU F8 801

Overall utilization 4% and below depending on if I let statements report a balance or not.

All in all, for those that Navy has been slow to open the doors to, don't give up. NFCU will eventually warm up to you.

THANK YOU NAVY!

NFCU CLI

Fico Scores: F9 EQ 791 TU 803 EX 781 (Oct 2024 updated)
Virtually slap me if I apply for anything else before August 2026 and remind me I'll never get my U.S. Bank Altitude Reserve Visa Infinite (USBANK retired this card this card in 2024).
In garden from July 27th 2024 to August 2026.
New Accounts: 6/12 11/24. DTI less than 5%. TCL Personal 333,163. Auto loan: SETF (estimated) initially owed 47000 / Current 32000 owed @ 60 months / 3.75% / April 2023 origination

M_Smart007 · ‎12-23-2023

Congratulations on your Navy CLI ☃️🎄❄️

JoeRockhead · ‎12-23-2023

Very nice, congratulations on your Navy CLI!

Creditwiser · ‎12-24-2023

Way to go ! Congrats on your Navy CLI !

nytokyobred79 · ‎12-25-2023

Congratulations on your great 2x cli.

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $218,900 | 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

Anonymous · ‎12-25-2023

Congrats!

TheRedHat · ‎12-26-2023

Congrats on your CLI!

Last update: 6/14/2025

Goal Cards

Centurion_Dreamer · ‎12-26-2023

Congrats on your great NFCU CLI!

Active Cards (TCL 162k):

BofA Unlimited Cash Rewards Visa Signature (CL 40k)

Barclays Frontier World Mastercard (CL 12k)

US Bank Shopper Cash Rewards Visa Signature (CL 1k)

cashorcharge · ‎12-28-2023

WooHoo!! Congratulations on your Approval!!👏🏼🍾🥂

CreditAggie · ‎12-28-2023

Congratulations on your NFCU CLI!

Current Cards (in order of approval):

Current FICO 8 | 9 (December 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs: