when should I ask NAVY For a CLI

Interestedincredit · ‎03-18-2014

My credit is new, I was approved for a 1500.00 cash rewards and a 3k navcheck, I requested a navcheck CLI withing a wek of opening it, and it was denied due to insuficient experience at my current limit.. So i have been running alot thru the nav check (dont really care about the daily interest) and them pay back what I used within a week. I would like to get my cash rewards up to 5k so I can PC to a siggy. any ideas?

H4LO · ‎03-18-2014

Interested as I've not run any money through one of my cards and I want a CLI.

Total CL - 60K // Util. ~1.6%

772 TU - 6/5 ///// 705 EX - 5/5 ///// 664 EQ - 4/29

JediNeo · ‎03-18-2014

Congrats. I have read some people have requested and received a CLI at three months. Although most seem to get it a six months. From my understanding the first request will be a HP. I am waiting for six months to request mine.

JediNeo · ‎03-18-2014

Here is another thread to check out

http://ficoforums.myfico.com/t5/Credit-Cards/Can-we-have-quot-OFFICIAL-NFCU-CLI-HOW-IT-WORKS-quot/m-...

Pupeitmeister · ‎03-18-2014

I got both of my navy cards in December. I have only had 2 statements cut, and I applied for a CLI, (misreading the above thread to see when to stop on the process). it was an HP attempt both times. granted, I took advantage of their BT offer and have both cards at very high (over 80% ) UTI, but am making 3 to 4X the min payment each month... I will try again in September, when all my accounts should be in better standing.

Truth be told, I really don't NEED any more CLIs, I just need to quit getting "caught up in the moment" and thinking I can get what others have... I have more then I need now.

OFFICIAL GARDEN START DATE: 10-05-2014... TARGET GARDEN END DATE: 06-01-2016 Lets Git 'r' dun

Creditaddict · ‎03-18-2014

@Interestedincredit wrote:
My credit is new, I was approved for a 1500.00 cash rewards and a 3k navcheck, I requested a navcheck CLI withing a wek of opening it, and it was denied due to insuficient experience at my current limit.. So i have been running alot thru the nav check (dont really care about the daily interest) and them pay back what I used within a week. I would like to get my cash rewards up to 5k so I can PC to a siggy. any ideas?

You are using your cash rewards or navcheck?

i would wait till 3 statements and payments on credit card and then cli for $25k and take counter.

id wait 6 months on navcheck