Navy Flagship 6K CLI to $80,000 Max

[CreditAggie]

Congratulations on your NFCU Flagship CLI!

[Creditwiser]

Congrats on your CLI !  Go Navy !

[PullingMeSoftly]

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@Aim_High wrote:

Awesome work, and a huge congrats on your

$80K CL with NFCU, @PullingMeSoftly! 

You did it!   

Welcome to our little "80K Club." 

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@Aim_High Thanks man! I remember when we were in a similar calendar pattern for a while there, but when you busted out with that consolidation, I knew I had a ways to go!

[PullingMeSoftly]

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@Aim_High wrote:

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@PullingMeSoftly wrote:

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@c00mtg wrote:

That's awesome, congrats!!

Any others you're trying to get the CL that high?

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Thank you @c00mtg, I think this one's about as high as I can go for any single card. I've mostly reached my TCL with the bigger lenders, but income isn't going to support much higher.

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Actually, @PullingMeSoftly, I see two opportunities for high limit cards if you were to choose to consolidate with either Chase or AMEX.  Your three Chase cards could be placed onto one single card easily with CL of $98.7K!  And your three AMEX personal cards could be $65K.   Of course, that is absent of any CL they might make you leave behind donor cards, but still something close to that!  (I've found that Chase will allow transfer of the entire limit if you leave a card idle for at least six months prior to closure.)  But I know you may find value in the various accounts beyond the single high CL. 

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Definitely a possible path, I like your thinking on these @Aim_High. Still trying to decide if I want to turn my Surpass into a 2nd Aspire, but having second thoughts, might roll those into one. With Chase I've got my hands tied a bit in that my OG Freedom and United are my oldest accounts (26 and 18 yrs respectively), but my CSR could be redistributed at some point. Still, great idea!

[NoMoreDebt]

Congrats

[credit8502020]

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@PullingMeSoftly wrote:

Another 6 months has gone by, and it was time to take one last spin of the wheel. It's been a 5-year slow and steady process, but finally time to make the last CLI request.

So here it is...approved! It's a wrap, bringing me to Navy's max allowable unsecured credit limit.

$6000 CLI --> $80,000

• 195 days since the last CLI (I have scheduled mine for 195 days to be on the conservative side, and have stuck with my own recommendation of waiting at least 190 days, not 181)
• Applied via browser
• Not instant, received a pending decision message...Received an approval email 1 day later.
• SP, all bureaus frozen

Past CLI history:

• 1/2020: SL $10,000
• 5/2020: +$8k ($18,000)
• 11/2020: +$4k ($22,000)
• 5/2021: +$4k ($26,000)
• 12/2021: +$8k ($34,000)
• 6/2022: +$8k ($42,000)
• 1/2023: +$8k ($50,000)
• 7/2023: +$8k ($58,000)
• 2/2024: +$8k ($66,000)
• 8/2024: +$8k ($74,000)
• 2/2025: +$6k ($80,000)

I appreciate all the support on these boards, and years of your collective great advice. While the pursuit of line increases marches on, this is one I can finally take off my spreadsheet! Cheers!

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@PullingMeSoftly Congratulations!!! How long do you keep all bureaus frozen after requesting a CLI? I haven't frozen any bureaus lately so also curious as to the best method you suggest for doing so? Ex. One place to freeze all or bureau by bureau, etc.