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NFCU CC account

New Contributor

NFCU CC account

How many credit card accounts can a holder have ? Is 2 the limit?

 

 

Message 1 of 9
8 REPLIES
Valued Contributor

Re: NFCU CC account

If you are a current NFCU cardholder I would call and ask. Their CSR's seem to be well informed for the most part. I believe I have seen at least one forum member with more than 2 but I do not know if they were the primary cardholder on all the accounts or an AU on one or more.

Best financial advice I ever got: "Just imagine what an adult would do and do that."

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Message 2 of 9
Regular Contributor

Re: NFCU CC account

I can answer this. I just applied for platinum and was denied. The reason for denial was bc I had reached the max that NFCU would allow for me. She said would I go do was keep my cashrewards card with the 14000 cl or I could spilt it up into multiple cards. So yes you can have more than one card just as long as you haven't reached maxium with NFCU. 


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Message 3 of 9
Frequent Contributor

Re: NFCU CC account


toytoy wrote:

I can answer this. I just applied for platinum and was denied. The reason for denial was bc I had reached the max that NFCU would allow for me. She said would I go do was keep my cashrewards card with the 14000 cl or I could spilt it up into multiple cards. So yes you can have more than one card just as long as you haven't reached maxium with NFCU. 


Take this with a grain of salt.  NFCU's maximum is not $14,000 (though that may be their maximum exposure for toytoy, specifically).  So it's not a hard and fast response to your question about more than 2 accounts.  Hopefully someone with 2 or more accounts who has been denied specifically for exceeding the number of allowable accounts will pipe in...

Message 4 of 9
Regular Contributor

Re: NFCU CC account


jausanka wrote:

toytoy wrote:

I can answer this. I just applied for platinum and was denied. The reason for denial was bc I had reached the max that NFCU would allow for me. She said would I go do was keep my cashrewards card with the 14000 cl or I could spilt it up into multiple cards. So yes you can have more than one card just as long as you haven't reached maxium with NFCU. 


Take this with a grain of salt.  NFCU's maximum is not $14,000 (though that may be their maximum exposure for toytoy, specifically).  So it's not a hard and fast response to your question about more than 2 accounts.  Hopefully someone with 2 or more accounts who has been denied specifically for exceeding the number of allowable accounts will pipe in...


I never implied that their maxium was 14,000. If you read it again I said that is the max they would allow for me was $14,000. If you continue reading I addressed the op's questions that you can have multiple cards. 


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Message 5 of 9
Frequent Contributor

Re: NFCU CC account

Sorry toytoy, I thought this was the OPs question:


stud007 wrote:

How many credit card accounts can a holder have ? Is 2 the limit?

 

 


I may have misunderstood and was trying to answer the question about having more than 2 cards, which we have yet to figure out.  As far as I can tell, at least.  If your $14K story answered it, I apologize for my misunderstanding.

 

 

Message 6 of 9
Epic Contributor

Re: NFCU CC account

I have seen other members have 2 credit cards with $25K each, a Loc Line with $15-20k and an Auto for 50k... So not sure if 2 credit cards is max but certainly depends on income to support all that I would guess.

Message 7 of 9
Regular Contributor

Re: NFCU CC account

I have a cc with them for 23k and a line of credit for 10k. I got these two accounts before I got Hugh CLI on my other CC's.

Over the 3 years twice I have taken the card to the max and they increased ithe CL by a couple thousand dollar without a hard inquire.

Hope this helps.
Message 8 of 9
Highlighted
Frequent Contributor

Re: NFCU CC account

ConcordUser on another thread reported: "I have 25, 25, 30 K cards from NFCU and they all report."

So I guess if this is true, you can have more than 2 credit cards and it seems you can have a pretty significant total credit line from NFCU.

Message 9 of 9