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Highest NFCU Limit?

New Contributor

Highest NFCU Limit?

Does anyone know how high a limit Navy Federal offers on their credit cards? Is $50,000 possible?

 

I've got a credit score over 800, with a NFCU card, a USAA card, and a AMEX Blue Cash card. But I'm a minimalist, so anything unecessary usually finds its way in the trash. I'm considering getting rid of my USAA card and just continuing to (hopefully) get credit limit increases on my NFCU card - since my USAA card has the lower credit limit and the higher interest rate. Then that would leave me with a cash back card and a low interest card.

 

I actually would only need my NFCU credit limit to be $25,000 to be able to ditch the USAA card without any setback in total limit, but knowing that $50,000 is possible would make me feel better about ditching a card completely.

 

Additionally, can anyone think of a good reason to keep the USAA card? The credit utilization and account age factors won't affect me. Anything else I should be thinking of though?

 

One thing that I did think of is that the USAA is my only MasterCard... not sure if that really matters at all?

Message 1 of 5
4 REPLIES
Established Contributor

Re: Highest NFCU Limit?

 I would say $50K is doable based on  the limits on this forum. People with $50K salaries are getting $15K, so a person with $150K salary should qualify.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Message 2 of 5
Regular Contributor

Re: Highest NFCU Limit?

Most NFCU cards max out at $50k but the Flagship goes to $80,000.  They also offer a couple of  Mastercards if that is a concern.

Message 3 of 5
Established Contributor

Re: Highest NFCU Limit?

I'm interested in their Master Card. Great card and especially when traveling abroad.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Message 4 of 5
Valued Contributor

Re: Highest NFCU Limit?

NFCU leads with VISA but has a MC.  I think USAA used to offer both but has dropped ties with VISA.

 

I understand mimalizing but why noyt sock drawer the USAA card or let some small monthly recurring bill go there?  Use the NFCU as your primary.  I have NFCU VISA and MC, each with an 11K limit.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
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Message 5 of 5