NFCU 91/3 CLI & Credit Card Application

realroto · ‎12-31-2024

I was looking towards applying for the NFCU Platinum card for the low intrest and looking to do a balance transfer.

I recently requested a CLI and was denied for my NFCU cashrewards I have had for about 21 months about 1 billing cycle ago but then got auto credit limit increase about 2 days after that.

I also recently got approved for a new AMEX BCP card about 1-2 weeks ago.
I believe that the NFCU 91/3 rule means no more than 1 cc or CLI within 91 days or 3 months.
Does that rule only apply to nfcu credit cards? Would I be good to apply right now if that CLI happened recently and the recent amex application?

MileHigh96 · ‎01-03-2025

Just a couple of weeks ago, I got the max CLI ($8K each) on two of my NFCU cards within 3 days of each other.

BK7 discharged - 06JUL2021
Loans:

Revolving Accounts (in the order they were opened):

Ally Everyday Cash Back Mastercard (converted from Ollo Platinum Rewards Mastercard) $4800 CL (opened 7/21/21)

Mercury Mastercard $4360 CL (opened 7/23/21)

Upgrade Triple Cash Rewards Visa Card $17,500 LOC (opened 8/4/21)

PenFed Pathfinder Rewards $6000 CL (opened 11/9/21)

Dell Pay Credit (converted from Dell Financial Services account) $6500 CL (opened 12/6/21)

Capital One Kohls Visa (converted from Kohls store card) $3300 CL (opened 12/13/21)

Upgrade Cash Rewards Visa Card $7,000 LOC (opened 3/17/22)

Capital One Quicksilver MC (PC'd from a Platinum card) $3200 CL (opened 5/6/22)

Capital One Savor One MC $5000 CL (opened 10/20/22)

Merrick Bank Double Your Line MC $2500 CL (opened 11/1/22)

Capital One Quicksilver MC (downgraded from a Walmart Rewards MC and transfered CL to older QS card) $500 CL (opened 11/4/22)

NFCU cashRewards Plus $28000 CL (opened 3/17/23)

Affinity FCU Pure Rewards Visa $1500 CL (opened 5/18/23)

Bread Cashback AmEx $7500 CL (opened 5/23/23)

Canvas CU Platinum Elite MC $3000 CL (opened 5/25/23)

NFCU Go Rewards Visa $23000 CL (opened 6/16/23)

Petco Pay Mastercard $2600 CL (opened 6/29/23)

My GM Rewards Card Mastercard $5500 CL (opened 8/1/23)

Denver Broncos Extra Point Visa $8500 CL (opened 12/8/23)

NFCU More Rewards AmEx $9000 CL (opened 2/8/24)

Ally Unlimited Cash Back Mastercard $3000 CL (opened 4/3/24)

Service Credit Union Everyday Visa $2500 CL (opened 8/19/24)

BECU Cash Back Visa $16000 CL (opened 8/21/24)

Closed accounts:

Mission Lane Visa - first starter card after discharge (opened 7/7/21 - closed 4/1/23)

KatzNDawgs · ‎01-03-2025

The AMEX card doesn't affect the NFCU rules - it is with their products only. Since you got an auto CLI recently, you need to wait 181 days (the 91 is only for 1st CLI for each card), but the new card app is on a different timer so since that card is years old, yes you can app for a new NFCU card now.