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NFCU MoreRewards $4,000,00 SP CLI **** Approved!

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newmomnewme
Valued Contributor

Re: NFCU MoreRewards $4,000,00 SP CLI **** Approved!

Wow @M_Smart007 Helluva journey, but I would say totally worth it!  I was just wondering because I saw so many posts - 1st card= low limit etc. 

 

My 91/3 is early next month. I'm hoping they are in the giving mood. Also, my TU only has 2 INQ.

012019 Fico8/Mortgage Score:
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Message 11 of 29
M_Smart007
Legendary Contributor

Re: NFCU MoreRewards $4,000,00 SP CLI **** Approved!


@newmomnewme wrote:

Wow @M_Smart007 Helluva journey, but I would say totally worth it!  I was just wondering because I saw so many posts - 1st card= low limit etc. 

 

My 91/3 is early next month. I'm hoping they are in the giving mood. Also, my TU only has 2 INQ.


@newmomnewme, If you end up going for a second card?, do that before asking a CLI on your first cardSmiley Wink

 

Good Luck and

Message 12 of 29
Whitneyy
Valued Contributor

Re: NFCU MoreRewards $4,000,00 SP CLI **** Approved!


@M_Smart007 wrote:

@newmomnewme wrote:

Congrats @M_Smart007 . 3 Navy cc in one year? That's awesome. 


Was this was your 1st or 2nd SP CLI? What was your SL? I'm asking because my first card was Platinum SL 20k, I'm wondering which card I should app for at my 91/3 or if I just ask for a CLI and hope they give 4K and shut up for six months. 😂😂


@newmomnewme, That was my first navy CC converted from a CashReward's,

approved when I applied for Navy membership May 19th 2019 ..  I asked for (1) CLI one rec. $500 auto CLI

Total MoreRewards $22,500.00 +$4000.00 CLI = $26,500.00 No POI requested.

DP >> Very Heavy Spend.

 

MoreRewards $26,500.00, Platinum $23,000.00 Flagship $26,000.00

Total aggregate CL across (3) Navy cards is now $75,500.00  ...

 

Plus a $15K CLOC (took 3 HP's to get thereSmiley Tongue)

 

You would probably get more out of a second card (just a guess)

Especially since they granted you so much on your first card.

 

 

ETA: I could have never done it without myFICO forums and the help from so many great posters!


Congrats on the success!

 

My question is, you wrote "very heavy spend", what about reporting? How do you pay your bill? 

GOAL - 700 FICO across the board!
Message 13 of 29
M_Smart007
Legendary Contributor

Re: NFCU MoreRewards $4,000,00 SP CLI **** Approved!


@Whitneyy wrote:

 

My question is, you wrote "very heavy spend", what about reporting? How do you pay your bill? 


Hi @Whitneyy , I PIF on the due date, no matter how much or little I spend.

(A couple of times over the last year, I paid 2 or 3 times for the month)

But .. mostly pay all my CC's on the due date. So that it gets to the credit bureaus.

Message 14 of 29
CreditAggie
Community Leader
Super Contributor

Re: NFCU MoreRewards $4,000,00 SP CLI **** Approved!

Congratulations on your NFCU More Rewards CLI!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (January 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 15 of 29
AllZero
Mega Contributor

Re: NFCU MoreRewards $4,000,00 SP CLI **** Approved!

Congratulations on your CLI!
Message 16 of 29
M_Smart007
Legendary Contributor

Re: NFCU MoreRewards $4,000,00 SP CLI **** Approved!


@AllZero wrote:
Congratulations on your CLI!

Thanks @AllZero !

 

ETA: By the way, being #16 is not all that badSmiley Very Happy

Message 17 of 29
Whitneyy
Valued Contributor

Re: NFCU MoreRewards $4,000,00 SP CLI **** Approved!


@M_Smart007 wrote:

@Whitneyy wrote:

 

My question is, you wrote "very heavy spend", what about reporting? How do you pay your bill? 


Hi @Whitneyy , I PIF on the due date, no matter how much or little I spend.

(A couple of times over the last year, I paid 2 or 3 times for the month)

But .. mostly pay all my CC's on the due date. So that it gets to the credit bureaus.


Good! I was wondering how I should start paying!

GOAL - 700 FICO across the board!
Message 18 of 29
AllZero
Mega Contributor

Re: NFCU MoreRewards $4,000,00 SP CLI **** Approved!


@M_Smart007 wrote:

@AllZero wrote:
Congratulations on your CLI!

Thanks @AllZero !

 

ETA: By the way, being #16 is not all that badSmiley Very Happy


3ccujs

Message 19 of 29
Yeliaba1
Frequent Contributor

Re: NFCU MoreRewards $4,000,00 SP CLI **** Approved!

Congrats on your CLI!!

Message 20 of 29
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