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New month new Navy😊

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AverageJoesCredit
Legendary Contributor

Re: New month new Navy😊


@FireMedic1 wrote:

@AverageJoesCredit wrote:

@FireMedic1 wrote:

Congrats! Reminds of your old Disco tickle 30 days for that CLI!


Haha, yup the good ol days with AJC Specials, Joltdude Specials and those brutal Brutalbodyshots SpecialsSmiley Happy. Thanks FM1Smiley Happy


Yeah you deserve it..........Bring it out!

lights(1).giflights(1).gif


Lol thanks @FireMedic1  that made me smile and i need it this week🙃

Message 41 of 52
AverageJoesCredit
Legendary Contributor

Re: New month new Navy😊


@Anonymous wrote:

@AverageJoesCredit wrote:

... hps on TU 17, EX 11, and EQ 26...


Has someone been playing again with the Pendread Wheel of Misfortune?Smiley LOL

 

Very nice CLI approval Smiley Happy-- Congrats! & thanks for the DPs.Smiley Wink


Lol, that wheel is flat out flatSmiley Wink. Thanks JamesSmiley Happy

Message 42 of 52
AverageJoesCredit
Legendary Contributor

Re: New month new Navy😊


@CreditMagic7 wrote:

16730i73062B224A17950C.gif16730i73062B224A17950C.gif


Thanks CM7😎

Message 43 of 52
AverageJoesCredit
Legendary Contributor

Re: New month new Navy😊


@M_Smart007 wrote:


Lol thanks SmartieSmiley Happy

Message 44 of 52
AverageJoesCredit
Legendary Contributor

Re: New month new Navy😊


@credit_is_crack wrote:

Congrats on the CLI @AverageJoesCredit 

 

No more AJC specials for you!!! I know you're a big fan of Navy so I'm sure this has you tickled pink. Congrats!


Thanks @credit_is_crack  sure am. May need to utilize their luv very soon  ,  life i guessSmiley Wink

Message 45 of 52
AverageJoesCredit
Legendary Contributor

Re: New month new Navy😊


@UncleB wrote:

Very nice, @AverageJoesCredit!  Once again showing us all how it's done! Smiley Very Happy

 

Congrats!  screamer.gif


Thanks @UncleB  might have to play the can i combine limits to bt to help Dad out. Its not pretty right now but unfortunately with my debt and low income, no one will approve me a pl so may actually have to use these limits to help.  At least i achieved these limits that give me some  relief if needed. 🤔

Message 46 of 52
Jordan23ww
Senior Contributor

Re: New month new Navy😊


@AverageJoesCredit wrote:

Normally wouldnt post this but ive been reading a possible  change in Navy Federal Credit Union cli policy may have occurred  so figured id share my dps to help   those on the bubble.

 

First thanks go to the first to break the Covid4k  special, @Anonymous . Without that post and a couple follow up posts, i probably would have continued requesting 4k on my cli. As an add on, ive tried twice in the last month, July, to get a 6 month cli on my newest Plat opened last December. Both times i believe i misjudged the timing. One thing that gave me hope on this card was last denial was due to recent change to account, not max exposure. 

 

Anyway, still havent received last 2 attempts letters but seeing all these new 8k, and 6k approvals gave me hope and courage. Worse thing that happens is they say is no. So i put in 15k as final limit, from 7k and within a day, i checked my account and it read 15k! ApprovedSmiley Happy. Simply amazing. 

 

For background i have started using my Navy card, CR , almost exclusively, in appreciation for all Navy has given me. Back in May, Navy gave me 4k more on my CR pushing it to 33k! Then in June, my first Plat , which was at 1k ( i had moved 4k over to Plat#2  in Jan to complete a bt)  i requested 4k and was rewarded with a 2k increase!  So i have officially broken the 50k barrier on a subpar income 🙃.  Thank you Navy,  to all on their own Navy journey, keep the faith its worth takingSmiley Happy.

 

At time of approval my Navy score, F9  , is 763.  To my knowldege, hps on TU 17, EX 11, and EQ 26. Fico 8 about TU 757 EX 759 , EQ 762. no idea why score keeps rising with my debt load  but its cool.

 

Hope it helps one person take the plunge, in sure glad others did so for me, cheers AJC


Congratulations @AverageJoesCredit  on your approval and breaking the pandemic $4K max CLI!  Thank you for sharing!  You are now the 3rd person I've seen get more than $4K recently but the other 2 people both got $6K. I can't wait to test this when my time comes around for a limit increase!  

       
 


Message 47 of 52
SouthJamaica
Mega Contributor

Re: New month new Navy😊


@AverageJoesCredit wrote:

Normally wouldnt post this but ive been reading a possible  change in Navy Federal Credit Union cli policy may have occurred  so figured id share my dps to help   those on the bubble.

 

First thanks go to the first to break the Covid4k  special, @Anonymous . Without that post and a couple follow up posts, i probably would have continued requesting 4k on my cli. As an add on, ive tried twice in the last month, July, to get a 6 month cli on my newest Plat opened last December. Both times i believe i misjudged the timing. One thing that gave me hope on this card was last denial was due to recent change to account, not max exposure. 

 

Anyway, still havent received last 2 attempts letters but seeing all these new 8k, and 6k approvals gave me hope and courage. Worse thing that happens is they say is no. So i put in 15k as final limit, from 7k and within a day, i checked my account and it read 15k! ApprovedSmiley Happy. Simply amazing. 

 

For background i have started using my Navy card, CR , almost exclusively, in appreciation for all Navy has given me. Back in May, Navy gave me 4k more on my CR pushing it to 33k! Then in June, my first Plat , which was at 1k ( i had moved 4k over to Plat#2  in Jan to complete a bt)  i requested 4k and was rewarded with a 2k increase!  So i have officially broken the 50k barrier on a subpar income 🙃.  Thank you Navy,  to all on their own Navy journey, keep the faith its worth takingSmiley Happy.

 

At time of approval my Navy score, F9  , is 763.  To my knowldege, hps on TU 17, EX 11, and EQ 26. Fico 8 about TU 757 EX 759 , EQ 762. no idea why score keeps rising with my debt load  but its cool.

 

Hope it helps one person take the plunge, in sure glad others did so for me, cheers AJC


Congratulations Joe Smiley Happy  Now don't spend it all in one place Smiley Happy


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 48 of 52
whocares
Valued Member

Re: New month new Navy😊

Initiating a CLI with NFCU, whether it be via their online form, chat, or phone, is it a SP or HP? The language on their online form states they will pull your credit file, but doesn't specifically say it will be a soft or hard inquiry. 

When I asked a rep via chat, they said it would be a hard inquiry. Are there data points indicating one way or the other (or a coin flip)?  Thanks!

Message 49 of 52
M_Smart007
Legendary Contributor

Re: New month new Navy😊


@whocares wrote:

Initiating a CLI with NFCU, whether it be via their online form, chat, or phone, is it a SP or HP? The language on their online form states they will pull your credit file, but doesn't specifically say it will be a soft or hard inquiry. 

When I asked a rep via chat, they said it would be a hard inquiry. Are there data points indicating one way or the other (or a coin flip)?  Thanks!


@whocares,

HP by phone.

ALL DP's point to "SP" CLI's by cell phone app or website.

Message 50 of 52
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