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Navy Federal CLI

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Santaclausthereal
Contributor

Navy Federal CLI

I know you all are tired of my success stories but I finally got the stingy people at navy federal to increase my credit limit on one of my cards I had been getting delined even most recently but then after all the success cleaning my credit i noticed my navy fico 9 score showed at 787 so I said since my score updated on their end on 12/03 why not go for another try requesting cli did it on 1 of the cards asked for 15000 from 5000 and they gave me 13,000 so i just asked for a limit increase on the 2nd card too lets see what they do finally happy they were willing to increase me after all the money i have ran through this card lets hope they graduate my last secured card this month also or am i hoping for too much

Message 1 of 10
9 REPLIES 9
SUPERSQUID
Valued Contributor

Re: Navy Federal CLI

CONGRATS!!!!!

They gave you the max 8k cli.

EVERYTHING IS SHIP SHAPE ON YOUR CC NOWEVERYTHING IS SHIP SHAPE ON YOUR CC NOW

{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017
Message 2 of 10
Santaclausthereal
Contributor

Re: Navy Federal CLI

what do you mean the max 8k i thought they did 3x the credit limit

Message 3 of 10
M_Smart007
Legendary Contributor

Re: Navy Federal CLI

Congrats on your NFCU CLI

Message 4 of 10
SUPERSQUID
Valued Contributor

Re: Navy Federal CLI


@Santaclausthereal wrote:

what do you mean the max 8k i thought they did 3x the credit limit


If your card has a limit under 4k the max cli is 3x.

If your card has a limit above 4k then 8k is the max cli

{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017
Message 5 of 10
CreditCharmer
Regular Contributor

Re: Navy Federal CLI


@Santaclausthereal wrote:

I know you all are tired of my success stories but I finally got the stingy people at navy federal to increase my credit limit on one of my cards I had been getting delined even most recently but then after all the success cleaning my credit i noticed my navy fico 9 score showed at 787 so I said since my score updated on their end on 12/03 why not go for another try requesting cli did it on 1 of the cards asked for 15000 from 5000 and they gave me 13,000 so i just asked for a limit increase on the 2nd card too lets see what they do finally happy they were willing to increase me after all the money i have ran through this card lets hope they graduate my last secured card this month also or am i hoping for too much


Congratulations 🎊 How did you make out on the 2nd request? 

Credit is a lot like a Reputation....It takes 20 years to build it and five minutes to ruin it. If you think about that, and you will do things differently.









Take the myFICO Fitness Challenge


Message 6 of 10
Santaclausthereal
Contributor

Re: Navy Federal CLI

well because of what superquid advised me I went back and redid my cli on my 2nd navy unsecured card cause i originally requested 15k went under review but i went back and asked for $13k 8k more then current line and it was auto approved so now i have 2 navy cards with $13,000 each and one secured card of 5k lets hope they unsecure it this month also that would be a blessing also i asked them for a lower apr on my first card they lowered to the lowest interest rate around 12 percent and on the other one i just got increased they lowered down to 13 percent both cards originally were 18 percent

Message 7 of 10
cashorcharge
Community Leader
Super Contributor

Re: Navy Federal CLI

WooHoo!  Congratulations on your NFCU Approval!!🎉🥂🍾

Message 8 of 10
CreditAggie
Community Leader
Super Contributor

Re: Navy Federal CLI

Congratulations on your NFCU CLI!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (April 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 9 of 10
KingRue8500
Senior Contributor

Re: Navy Federal CLI

Congrats on your NFCU CLI




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