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Navy Fed CLI request, but.....

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Creditwiser
Valued Contributor

Navy Fed CLI request, but.....

My 6th statement cut after my previous CLI so I requested a CLI again and to my surprise it went to review. Even more of a surprise is it didnt allow me to enter a requested amount for the CLI this time.  Is this new? random ?   Just when I thought I had them figured out Smiley Frustrated

NFCU Visa 43k | NFCU Platinum 37k | Cap1 QS 14.5K | Cap1 QS 12.5K | Barclay MC 25k | Delta Gold Amex 40K | Discover IT 22K | CFNA FS 3600 | CareCredit 20k| PayPal Credit 10k |
Message 1 of 13
12 REPLIES 12
GZG
Senior Contributor

Re: Navy Fed CLI request, but.....


@Creditwiser wrote:

My 6th statement cut after my previous CLI so I requested a CLI again and to my surprise it went to review. Even more of a surprise is it didnt allow me to enter a requested amount for the CLI this time.  Is this new? random ?   Just when I thought I had them figured out Smiley Frustrated


the CLI thing now just automatically considers you for the maximum $8,000 CLI 

 

ask support the date of your last CLI and then add 6 months to it, I tried 180, 181, 182, 183 days and all of them came back as "too early" when before that worked for me, I was finaly approved when it was exactly 6 months/6 statements later

Starting FICO 8:
Current FICO 8:



Message 2 of 13
Rebuild2019
Valued Contributor

Re: Navy Fed CLI request, but.....

Congratulations on your CLI @Creditwiser   I haven't posted it, but NFCU gave me an increase also and I noticed the amount requested was not there. It went pending for a few hours and then I found approved for another $6500.00. I was happy with that. 


CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards Plus | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | AAA Daily Advantage | US Bank Cash+ | Wells Fargo Reflect | Citi Costco Visa | One Pay Cash Rewards | Wells Fargo Personal Loan | NFCU Auto Loan
>Starting Scores 05/2019: EQ:519, EX:525, TU:574

CLOSED : Capital One Quicksilver One | OpenSky |

BUSINESS CARDS: Amazon Business Prime AMEX
Message 3 of 13
Creditwiser
Valued Contributor

Re: Navy Fed CLI request, but.....


@GZG wrote:

@Creditwiser wrote:

My 6th statement cut after my previous CLI so I requested a CLI again and to my surprise it went to review. Even more of a surprise is it didnt allow me to enter a requested amount for the CLI this time.  Is this new? random ?   Just when I thought I had them figured out Smiley Frustrated


the CLI thing now just automatically considers you for the maximum $8,000 CLI 

 

ask support the date of your last CLI and then add 6 months to it, I tried 180, 181, 182, 183 days and all of them came back as "too early" when before that worked for me, I was finaly approved when it was exactly 6 months/6 statements later


Ok so it is new in the last 6 months.  My last CLI request, exactly 6 months  and 6 statements ago, as well as all previous requests over the years, allowed me to request a certain amount which I did and was approved. Now it didnt let me select an amount.

NFCU Visa 43k | NFCU Platinum 37k | Cap1 QS 14.5K | Cap1 QS 12.5K | Barclay MC 25k | Delta Gold Amex 40K | Discover IT 22K | CFNA FS 3600 | CareCredit 20k| PayPal Credit 10k |
Message 4 of 13
Creditwiser
Valued Contributor

Re: Navy Fed CLI request, but.....


@Rebuild2019 wrote:

Congratulations on your CLI @Creditwiser   I haven't posted it, but NFCU gave me an increase also and I noticed the amount requested was not there. It went pending for a few hours and then I found approved for another $6500.00. I was happy with that. 


Thank you @Rebuild2019 but I havn't been approved for the CLI yet.  I assume it will be approved though.  I don't mind the new protocol as I'm close to max on the card anyway. Just struck me as strange,  But Congrats on your CLI !!

NFCU Visa 43k | NFCU Platinum 37k | Cap1 QS 14.5K | Cap1 QS 12.5K | Barclay MC 25k | Delta Gold Amex 40K | Discover IT 22K | CFNA FS 3600 | CareCredit 20k| PayPal Credit 10k |
Message 5 of 13
GZG
Senior Contributor

Re: Navy Fed CLI request, but.....


@Creditwiser wrote:

@GZG wrote:

@Creditwiser wrote:

My 6th statement cut after my previous CLI so I requested a CLI again and to my surprise it went to review. Even more of a surprise is it didnt allow me to enter a requested amount for the CLI this time.  Is this new? random ?   Just when I thought I had them figured out Smiley Frustrated


the CLI thing now just automatically considers you for the maximum $8,000 CLI 

 

ask support the date of your last CLI and then add 6 months to it, I tried 180, 181, 182, 183 days and all of them came back as "too early" when before that worked for me, I was finaly approved when it was exactly 6 months/6 statements later


Ok so it is new in the last 6 months.  My last CLI request, exactly 6 months  and 6 statements ago, as well as all previous requests over the years, allowed me to request a certain amount which I did and was approved. Now it didnt let me select an amount.


feel free to secure message and ask for the digital copy of the denial letter if you don't see an approval in the next day or so, my request went pending as well and it was approved after review 

Starting FICO 8:
Current FICO 8:



Message 6 of 13
Creditwiser
Valued Contributor

Re: Navy Fed CLI request, but.....


@GZG wrote:

@Creditwiser wrote:

@GZG wrote:

@Creditwiser wrote:

My 6th statement cut after my previous CLI so I requested a CLI again and to my surprise it went to review. Even more of a surprise is it didnt allow me to enter a requested amount for the CLI this time.  Is this new? random ?   Just when I thought I had them figured out Smiley Frustrated


the CLI thing now just automatically considers you for the maximum $8,000 CLI 

 

ask support the date of your last CLI and then add 6 months to it, I tried 180, 181, 182, 183 days and all of them came back as "too early" when before that worked for me, I was finaly approved when it was exactly 6 months/6 statements later


Ok so it is new in the last 6 months.  My last CLI request, exactly 6 months  and 6 statements ago, as well as all previous requests over the years, allowed me to request a certain amount which I did and was approved. Now it didnt let me select an amount.


feel free to secure message and ask for the digital copy of the denial letter if you don't see an approval in the next day or so, my request went pending as well and it was approved after review 


Ok, I'll give them a day Smiley Wink

NFCU Visa 43k | NFCU Platinum 37k | Cap1 QS 14.5K | Cap1 QS 12.5K | Barclay MC 25k | Delta Gold Amex 40K | Discover IT 22K | CFNA FS 3600 | CareCredit 20k| PayPal Credit 10k |
Message 7 of 13
Pppoolboy
Valued Member

Re: Navy Fed CLI request, but.....


@Creditwiser wrote:

@GZG wrote:

@Creditwiser wrote:

My 6th statement cut after my previous CLI so I requested a CLI again and to my surprise it went to review. Even more of a surprise is it didnt allow me to enter a requested amount for the CLI this time.  Is this new? random ?   Just when I thought I had them figured out Smiley Frustrated


the CLI thing now just automatically considers you for the maximum $8,000 CLI 

 

ask support the date of your last CLI and then add 6 months to it, I tried 180, 181, 182, 183 days and all of them came back as "too early" when before that worked for me, I was finaly approved when it was exactly 6 months/6 statements later


Ok so it is new in the last 6 months.  My last CLI request, exactly 6 months  and 6 statements ago, as well as all previous requests over the years, allowed me to request a certain amount which I did and was approved. Now it didnt let me select an amount.


Must be very new beause I applied for and was granted a CLI on my CashRewards card about a month ago.  I knew the $8000/CLI rule so I asked for $500 more than that amount and, sure enough, the next day saw the increase of $8000 on CL.

50-year-old SoCal banking and finance lawyer & registered investment advisor
Message 8 of 13
Creditwiser
Valued Contributor

Re: Navy Fed CLI request, but.....


@Creditwiser wrote:

@GZG wrote:

@Creditwiser wrote:

@GZG wrote:

@Creditwiser wrote:

My 6th statement cut after my previous CLI so I requested a CLI again and to my surprise it went to review. Even more of a surprise is it didnt allow me to enter a requested amount for the CLI this time.  Is this new? random ?   Just when I thought I had them figured out Smiley Frustrated


the CLI thing now just automatically considers you for the maximum $8,000 CLI 

 

ask support the date of your last CLI and then add 6 months to it, I tried 180, 181, 182, 183 days and all of them came back as "too early" when before that worked for me, I was finaly approved when it was exactly 6 months/6 statements later


Ok so it is new in the last 6 months.  My last CLI request, exactly 6 months  and 6 statements ago, as well as all previous requests over the years, allowed me to request a certain amount which I did and was approved. Now it didnt let me select an amount.


feel free to secure message and ask for the digital copy of the denial letter if you don't see an approval in the next day or so, my request went pending as well and it was approved after review 


Ok, I'll give them a day Smiley Wink


@GZG  @Pppoolboy They gave the full 8k CLI ! Just logged in and saw it. Funny as I was simply going to request 3k. Smiley Wink

NFCU Visa 43k | NFCU Platinum 37k | Cap1 QS 14.5K | Cap1 QS 12.5K | Barclay MC 25k | Delta Gold Amex 40K | Discover IT 22K | CFNA FS 3600 | CareCredit 20k| PayPal Credit 10k |
Message 9 of 13
KatzNDawgs
Frequent Contributor

Re: Navy Fed CLI request, but.....



@GZG  @Pppoolboy They gave the full 8k CLI ! Just logged in and saw it. Funny as I was simply going to request 3k. Smiley Wink


Congrats on the max CLI!

Message 10 of 13
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