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Not quite as much as I had wanted, but still on the way - Navy Federal CashRewards Visa CLI

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Valued Contributor

Not quite as much as I had wanted, but still on the way - Navy Federal CashRewards Visa CLI

When I got my Navy CashRewards Visa back last summer, I was somewhat disconcerted to get only a $1,000 SL. Nonetheless, I buckled down and made active use of it across the fall and winter, particularly for grocery spend, with equally active payments. I decided to wait until 6 months/statement cuts since the general pattern is that CLI requests are more successful at that time. Once my March statement cut this morning, I figured it was time, since my last AR had been in February. I put in a request for the highest figure I thought I could reasonably get ($15,000) and sat back to wait.

 

I checked my account again about 3:30 this afternoon and saw that my CLI appeared to have been approved. While the credit limit itself hadn't yet been updated, the available credit had, so I checked back again a couple of hours later. Navy countered with a $2K CLI, bringing me to $3K. Not nearly as much as I'd wanted, but I'll take it since it moves this card well out of "toy limit" territory and I can try again in early September. I haven't gotten any notifications of a HP yet, so I'm keeping my fingers crossed for a SP but not holding my breath for it - I can afford a HP anyway since several HP's dropped off all three credit bureau reports over the past couple of months.

Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
Message 1 of 11
10 REPLIES 10
Valued Contributor

Re: Not quite as much as I had wanted, but still on the way - Navy Federal CashRewards Visa CLI

CONGRATS on the CLI!!!

 

You're making progress towards your Goal!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $15.5K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
Apple Card MC $6K | NFCU cashRewards $1K
TCL - $114K+ | Rebuilding since April 2018
Message 2 of 11
Valued Contributor

Re: Not quite as much as I had wanted, but still on the way - Navy Federal CashRewards Visa CLI

Congrats on your CLI!!  I know it's not quite what you wanted, but 2K is nothing to scoff at.   Based on the info in your siggy, you're doing extremely well in your post-BK rebuild.

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/06/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 11/2019: EX 761 ✦ EQ 734 ✦ TU 757
Current FICO 9s | 11/2019: EX 768 ✦ EQ 775 ✦ TU 766
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2019 Goal Score | 760s


My AAOA: 2.9 years not incl. AU / 3.0 years incl. AU
My AoOA: 6.9 years not incl. AU / 8.9 years incl. AU
Inquiries: EX 0/6 | 4/12 ✦ EQ 0/6 | 5/12 ✦ TU 0/6 | 1/12
Report Status: Clean

Tending my Garden til 6/2020


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 3 of 11
Senior Contributor

Re: Not quite as much as I had wanted, but still on the way - Navy Federal CashRewards Visa CLI

Congrats on CLi !!!

 

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 4 of 11
Moderator

Re: Not quite as much as I had wanted, but still on the way - Navy Federal CashRewards Visa CLI

Congrats on the NFCU CLI @joe8185!  Looks like you're inching upward and that's a good thing. 

Message 5 of 11
Regular Contributor

Re: Not quite as much as I had wanted, but still on the way - Navy Federal CashRewards Visa CLI

That’s a win! Congrats!!! I just got told to take a hike by Cap 1! $2k is $2k...that’s no chump change.



Starting FICO-8 as of February, 2019:

Current FICO-8 as of June, 2019:

Message 6 of 11
Established Contributor

Re: Not quite as much as I had wanted, but still on the way - Navy Federal CashRewards Visa CLI

$15k or 2k. Its still a win.  Congrats!!! 











Current

Goal Cards

Message 7 of 11
Senior Contributor

Re: Not quite as much as I had wanted, but still on the way - Navy Federal CashRewards Visa CLI

Congratulations on your CLI!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 8 of 11
Valued Contributor

Re: Not quite as much as I had wanted, but still on the way - Navy Federal CashRewards Visa CLI

Nothing wrong with a 3x CLI on a probable SP.  Congrats!

 FICO 8
Message 9 of 11
Community Leader
Senior Contributor

Re: Not quite as much as I had wanted, but still on the way - Navy Federal CashRewards Visa CLI

Congratulations OP. You’ll get to that $15K before you know it. NFCU is like that.
GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
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