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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 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 card
Good Luck and
@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 there)
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?
@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.
Congratulations on your NFCU More Rewards CLI!
@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!
@M_Smart007 wrote:
@AllZero wrote:
Congratulations on your CLI!Thanks @AllZero !
ETA: By the way, being #16 is not all that bad
Congrats on your CLI!!