NFCU and CLI

[nikkiheaven]

When you hit the luv button is it a SP or a HP with Navy Federal.  If you call, is it a HP?  I thought all CLI was SP, but was told if you call its a HP.

[TheGardner]

Online could be either depending.. Navy SP every 2-3 months if they deem you eligible you will get a SP.

You can't tell until you submit unfortunately. I think call in is always a HP.

[Creditaddict]

how long have you had your card?

what is your current limit?

[msbia]

I'm not certain but I got my cash rewards card in April, hit the button Saturday, asked for $25k (limit now 12.5) system countered with $17.5k. I accepted! It has been exactly six month. No hard pull alert as of today.

[nikkiheaven]

Creditaddict, I've had the card since July, and the current limit is 10,000.  I was waiting to November to request.  I have a 2 bills that I would like to 0 out as they show negative on my CR.  The total would be around 3500.  I was considering a CLI, or just a new app.  I was hoping they would have 0% transfer coming up.

[Creditaddict]

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@nikkiheaven wrote:

Creditaddict, I've had the card since July, and the current limit is 10,000.  I was waiting to November to request.  I have a 2 bills that I would like to 0 out as they show negative on my CR.  The total would be around 3500.  I was considering a CLI, or just a new app.  I was hoping they would have 0% transfer coming up.

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if you have had 3 statements you are probably could do ask for the cli now to $25k and system should instantly counter you.

navy only does reviews usually quarterly so probably won't matter to wait until the other credit cards are paid off as they won't do another review if yours was just done in oct.

[keithbward]

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@Creditaddict wrote:

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@nikkiheaven wrote:

Creditaddict, I've had the card since July, and the current limit is 10,000.  I was waiting to November to request.  I have a 2 bills that I would like to 0 out as they show negative on my CR.  The total would be around 3500.  I was considering a CLI, or just a new app.  I was hoping they would have 0% transfer coming up.

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if you have had 3 statements you are probably could do ask for the cli now to $25k and system should instantly counter you.

navy only does reviews usually quarterly so probably won't matter to wait until the other credit cards are paid off as they won't do another review if yours was just done in oct.

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I opened my card back in July as well cashRewards and Flagship about a week apart at 5k each from taking my original 10k from my cashRewards and splitting it between the two. The payments are due on the 8th and 15th of this month. After I make payments on both cards should I ask for an increase on both after their statements cut? Or wait til next month? Sorry for hijacking your thread nikki

[Creditaddict]

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@keithbward wrote:

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@Creditaddict wrote:

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@nikkiheaven wrote:

Creditaddict, I've had the card since July, and the current limit is 10,000.  I was waiting to November to request.  I have a 2 bills that I would like to 0 out as they show negative on my CR.  The total would be around 3500.  I was considering a CLI, or just a new app.  I was hoping they would have 0% transfer coming up.

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if you have had 3 statements you are probably could do ask for the cli now to $25k and system should instantly counter you.

navy only does reviews usually quarterly so probably won't matter to wait until the other credit cards are paid off as they won't do another review if yours was just done in oct.

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I opened my card back in July as well cashRewards and Flagship about a week apart at 5k each from taking my original 10k from my cashRewards and splitting it between the two. The payments are due on the 8th and 15th of this month. After I make payments on both cards should I ask for an increase on both after their statements cut? Or wait til next month? Sorry for hijacking your thread nikki

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3 full statements is the first time I would ask.

[keithbward]

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@Creditaddict wrote:

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3 full statements is the first time I would ask.

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Thanks alot. I'll wait til the October statement cuts before attempting an increase.