Yet Another Navy SP CLI

BigBS · ‎12-07-2019

Like others read the SP CLI threads and gave it a go. Didn't freeze/lock any of the bureaus just made the request for my flagship card. $10K to $20K is what I requested and $18K was approved. No inquiry alerts from any of the sources that report to me. Now have 2 cards (cash Rewards and Go Rewards) at $25K and the flagship at $18K with NFCU (plus $15K CLOC).

Thanks for sharing. Anyone tried this with a second card?

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

AllZero · ‎12-07-2019

Congratulations on your CLI!

thornback · ‎12-07-2019

Just fantastic. Congratulations!

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

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

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.

AverageJoesCredit · ‎12-07-2019

Awesome @BigBS

I did 2 at once but was denied on second card. Im sure its because i recently got an auto increase which counts as a recent change to account which can also translate to see ya in 6 months lol

BigBS · ‎12-07-2019

@AllZero wrote:
Congratulations on your CLIs!

Thanks.

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

BigBS · ‎12-07-2019

@thornback wrote:
Just fantastic. Congratulations!

Thanks for sharing.

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

BigBS · ‎12-07-2019

@AverageJoesCredit wrote:
Awesome @BigBS

I did 2 at once but was denied on second card. Im sure its because i recently got an auto increase which counts as a recent change to account which can also translate to see ya in 6 months lol

I did read that. Guess I will give it a try on the other 2 and see what happens.

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

AllZero · ‎12-07-2019

CLI is possible on more than one card depending on if you have or have not reached your internal limit.

~$8k per card appears to be the sweet spot limit based on recent data points.

Good luck. May the odds be ever in your favor. Let us know how it turns out.

Anonymous · ‎12-07-2019

Congrats on your CLI!

BigBS · ‎12-07-2019

@AllZero wrote:
CLI is possible on more than one card depending on if you have or have not reached your internal limit.

~$8k per card appears to be the sweet spot limit based on recent data points.

Good luck. May the odds be ever in your favor. Let us know how it turns out.

So, I took the dive and asked for a $5K CLI on my cashRewards card and the same on the GoRewards card. Don't know if it was the timing, but the cashRewards was approved for $12K ($25K to $37K) and nothing on the GoRewards at this point. Can't complain about it though.

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M