SL: $10,000
... CLI: $8,000
... New CL: $18,000 
Background: I got my Platinum card on 11/18/2019 with a $10K SL and the lowest APR which was 7.49% at the time. I had no other NFCU credit cards or loans and had only had banking accounts with them for about 30 days. (And my banking accounts had been idle.) The $10K SL was low for my profile, but I had hopes to work it higher. They were offering a 0% BT with no-fee, so I balance-transferred $9800 from other cards even though I didn't really need it. I paid it off slowly over three months to build payment history. I know about NFCU's 91/3 rule but decided I should wait longer. I suspected several new accounts last fall might be holding back my SL or CLI. My plan was to wait for six months before applying for CLI. After the first of the year, when some of our members began reporting SP CLI's and after recent in-app approvals when even outside normal approval parameters, I decided to apply in-app. Approved, $8,000 increase to $18,000! It took about 26 hours and began showing up as "credit available" even though my previous credit limit is still in the credit limit block.
Not a bad increase, and I know it will continue to rise with Navy. However, Navy is proving to be much more of a "relationship" bank than I expected. Either that or they are put-off by my high total credit lines available, even though I have high income. My total debt-to-income is fairly low.
For data points, my approval was at 4 statement cuts and 136 days after approval, and also after paying off the $9,800 BT. I've also increased the balances and usage of my banking accounts. My next plan is to consider a mortgage refinance with them also. Rates are great right now.
Congratulations on your CLI!
Congratulations, thank you for the insight and DP!
@Anonymous wrote:Congrats!
It seems like Navy doesn't like doing huge increases at once. $6K-$8K seem to be pretty common.
The largest I have seen was 15K and I did that back in late November of this year. I went from 25K to 40K in a single CLI request. I feel like I left money on the table too. I asked for 40K and they gave it to me the next morning.
@Anonymous wrote:
@nuohlac wrote:
@Anonymous wrote:Congrats!
It seems like Navy doesn't like doing huge increases at once. $6K-$8K seem to be pretty common.
The largest I have seen was 15K and I did that back in late November of this year. I went from 25K to 40K in a single CLI request. I feel like I left money on the table too. I asked for 40K and they gave it to me the next morning.
Yeah but how much spend and how long have you been a member? These are things that matter with them.
I have been a NavyFed member since 2003; they are my HUB when it comes to my banking (so they do see the amount of money that comes in and out monthly). I pay car insuance and cell phone bills on my Flagship $428 a month. I spend nothing on my CashRewards card and always save it for the annual BT promo if I need it.
Congratulations on your CLI approval!
