NFCU cashRewards 91/3 CLI

Anonymous · ‎12-10-2018

So I hit my 91/3 on 12/6 and decided to ask for $7500 as I am low income ($18k) and figured they would counter me with 4 or 5K.

Hadn’t heard anything and figured it was a denial but @Pikaboo-icu prompted me to check again. Logged in and

My jaw about hit the floor! Especially since people reported that 91/3 has not been very successful for CLIs unless you have high income. I AM low (10.4%) DTI, however.

Anyway, Navy rocks!

Anonymous · ‎12-10-2018

Good stuff! I was pulling for you - congratulations!

Anonymous · ‎12-10-2018

@Anonymous wrote:
Good stuff! I was pulling for you - congratulations!

Thank you!

I was really hoping that I would get it so I didn’t have to go for a second card. Pulling EQ definitely helps in my case.

I was thinking about CLOC but I don’t want another EQ HP right now.

Obviously there is still money on the table with Navy for me but I’m more than satisfied with what I have right now

Now to get the gardening gloves on lol.

Anonymous · ‎12-10-2018

Solid strategy! Nice when it all comes together 😊I have GoRewards currently. My 91/3 will be Feb 4. At that point I’m going to go for something similar on CLI and debating on Flagship or Platinum. Believe my scores should reach 700’s - 08 this month. But who knows about my 09. Then I’m done for 12 months.

Anonymous · ‎12-10-2018

Well best of luck to you as well! Navy honestly seems to be pretty easy to work with as long as you’re reasonable with the requests. I have a feeling if I asked for 15K, it would have been no CLI for me. Nothing in my profile supports it, least of all my income, but I do have 9 months history on two cards showing I can manage $7500 and $8250 limits so I figured worse case scenario they would meet me somewhere in the middle.

Pikaboo-icu · ‎12-10-2018

Well I congrats you in the NFCU thread but I will congrats you again here sooo..

CONGRATS!!

I am super happy for you!! Really, I felt invested LOL

Very Well Done!

ohjoy · ‎12-10-2018

Yes!! Congrats!! That was a nice surprise. Go Navy!

Starting Score (May 2017): 584 TU
Current Scores: 752 TU, 717 EQ, 750 EX

Goal Score: 820+

Anonymous · ‎12-10-2018

Yeah I can honestly say I was totally shocked — it makes me wonder how much I left on the table. But it’s garden time. Maybe I’ll try for their Amex (since it’s the only way I will ever have a card with the Amex logo in my wallet) in June after I pay my $1690 balance with Best Egg down to $190 on my personal loan.