u/throwaway_444_44

Just data points. Applied 12/10/2025 for More Rewards AMEX, approved for 500 limit with 608 TU. Applied 3/10/2026 for CLI, denied, denial reason being high utilization on other cards and old charge off. Understandable.

Old charge off finally fell off last month. 667 TU. Utilization still high on other cards due to Cap1 CLI
increase strategy, which is working, albeit slowly.

Got limit increases on ALL my Cap1 cards so I decided to ask Navy too. Pleasantly surprised!

I stayed there because I liked pooling points across cards but I hate their customer service. Now Navy has joined the modern era 😊