topic Re: Navy (NFCU) Credit Card - Highest Starting Line? in Credit Cards

Navy (NFCU) Credit Card - Highest Starting Line?

credit_is_crack — Wed, 23 Aug 2017 23:58:09 GMT

Hi All - I did some research on here but didn't stummble across much info on this. Does anyone know what the highest SL NFCU has given out on any of its cards?

I know a lot of folks build up to $25k on a card (like myself) or get the instant $24k limits, but anyone seen any higher?

I've seen a few monster PenFed SL's ($34,000 and $42,000), but wondering about Navy. Anyone know?

Re: Navy (NFCU) Credit Card - Highest Starting Line?

AverageJoesCredit — Thu, 24 Aug 2017 00:06:48 GMT

Credit limits are up to 50k on the each card with the exception of Flagship which has a max of 80k. Yes ive seen a poster here with almost the 80 k on flagship and almost 50k on her Plat. Your internal limit may determine how high you can get.

Re: Navy (NFCU) Credit Card - Highest Starting Line?

Anonymous — Thu, 24 Aug 2017 00:09:05 GMT

I could be wrong but outside of the one card ( I think the Platinum) that hits the 50k Mark and rest seem to see 25k as a max...Prior to manual UW

So I'd suspect, in general 25k might be their standard top ( except for the one) automated SL w/o manual review... again just a guess

Re: Navy (NFCU) Credit Card - Highest Starting Line?

credit_is_crack — Thu, 24 Aug 2017 00:13:55 GMT

I did read a few about folks getting that high (I'm going for it lol), but do you know about the highest starting line? You know right at the new application stage, a cold app.

Thinking of app'ing for the upcoming AmEx. My TU FICO is 783 and my TU FICO Bankcard 8 is 809. Wonder if I can get approved for a starting line above $25k. I currently have the plat MC at $25k, over a year old. I'm just curious since my scores have never been this good lol or should I expect $25k max from the app?

Re: Navy (NFCU) Credit Card - Highest Starting Line?

credit_is_crack — Thu, 24 Aug 2017 00:15:53 GMT

Thanks Gemini! I think you know where I was going with it. Those inner details or things that would limit you until a manual review, although I'm open to one.

Re: Navy (NFCU) Credit Card - Highest Starting Line?

AverageJoesCredit — Thu, 24 Aug 2017 00:17:08 GMT

Without a hp, yes 25 k is max, but the actual max credit limit on the cards like Platinum , Cash Rewards GoRewards maxes out at 50k. Flagship 25k sp, max but maxes out at 80k.

Re: Navy (NFCU) Credit Card - Highest Starting Line?

credit_is_crack — Thu, 24 Aug 2017 00:21:15 GMT

Thanks for clarifying! I knew someone here would know what I was digging for!

Re: Navy (NFCU) Credit Card - Highest Starting Line?

AverageJoesCredit — Thu, 24 Aug 2017 00:24:33 GMT

Sorry Credit_is_Crack if you were onlt talking about starting limits from a cold app. I honestly cant remember a post where someone has gotten more than 25k on first app. Its possible but id imagine no matter how good someones credit is, they may want to cap it at first but could be wrong.

Re: Navy (NFCU) Credit Card - Highest Starting Line?

credit_endurance — Thu, 24 Aug 2017 00:33:00 GMT

Have have seen a bunch of $24,000 SL out of the gate lately with very low APR 6.99-10.99 range. So looks like they keep you under the 25k limit as it is usually the max before POI is usually required. Although I do believe CreditLuv got $25K/9.99 APR right out of the gate last year. That was their lowest APR at that time.

Re: Navy (NFCU) Credit Card - Highest Starting Line?

credit_is_crack — Thu, 24 Aug 2017 00:48:12 GMT

@credit_endurance wrote:
Have have seen a bunch of $24,000 SL out of the gate lately with very low APR 6.99-10.99 range. So looks like they keep you under the 25k limit as it is usually the max before POI is usually required. Although I do believe CreditLuv got $25K/9.99 APR right out of the gate last year. That was their lowest APR at that time.

Thats sounds realistic. I had forgotten about POI.

Re: Navy (NFCU) Credit Card - Highest Starting Line?

Anonymous — Thu, 24 Aug 2017 01:01:49 GMT

1) Thanks AJC
I couldn't think of Flagship as the 'special' one😋

2) credit crack
Things like POI etc again are where I was going with after what I believe to be predetermined filters Navy is gonna request a manual once over.

Re: Navy (NFCU) Credit Card - Highest Starting Line?

credit_is_crack — Thu, 24 Aug 2017 01:11:04 GMT

Do you think there would be more inside the 'etc.' portion?

Or do you think POI would be the deepest they would go?

Re: Navy (NFCU) Credit Card - Highest Starting Line?

K-in-Boston — Thu, 24 Aug 2017 01:23:51 GMT

FWIW Navy asked me for POI on my Flagship prior to giving me my $24k SL and 10.whatever APR. I also don't recall seeing anything higher right out of the gate.

Re: Navy (NFCU) Credit Card - Highest Starting Line?

credit_is_crack — Thu, 24 Aug 2017 01:48:27 GMT

every little piece of info adds up. I appreaciate the input!

Re: Navy (NFCU) Credit Card - Highest Starting Line?

Anonymous — Thu, 24 Aug 2017 05:30:39 GMT

Nope sorry OP didn't mean to be coy when I wrote "etc" I just meant basic UW questions perhaps POI, address verification, basic application crap nothing special or deeper than normal

Re: Navy (NFCU) Credit Card - Highest Starting Line?

Anonymous — Thu, 24 Aug 2017 08:56:50 GMT

I was able to bump my Flagship to $35K (and CLOC at $15K) without POI so it isn't always required. I haven't been asked yet for POI from either NFCU or PenFed where my Promise sits at $50K and a LOC at $25K. As always YMMV.

Re: Navy (NFCU) Credit Card - Highest Starting Line?

Anonymous — Thu, 24 Aug 2017 18:11:42 GMT

I got my first NFCU cashRewards with an instant approval of 24K @ 13ish APR (its in my sig along with my scores at the time) No POI was needed. Going to wait for 12 months and then try HP to $50K.

Re: Navy (NFCU) Credit Card - Highest Starting Line?

Chickenpotpie — Thu, 24 Aug 2017 21:16:22 GMT

When I got my NFCU card I got 25K, APR 8.24%. I don't need to go up any higher but having a lower APR would be nice.

Re: Navy (NFCU) Credit Card - Highest Starting Line?

K-in-Boston — Thu, 24 Aug 2017 21:36:45 GMT

From my conversation with the person at NFCU, the POI was asked for because of "very high reported income," so I'm not sure if they would have asked me with a lower income reported. On the other hand, PenFed did ask me for POI when I did an auto refi a year ago.

Re: Navy (NFCU) Credit Card - Highest Starting Line?

Chickenpotpie — Thu, 24 Aug 2017 21:58:21 GMT

@K-in-Boston wrote:
From my conversation with the person at NFCU, the POI was asked for because of "very high reported income," so I'm not sure if they would have asked me with a lower income reported. On the other hand, PenFed did ask me for POI when I did an auto refi a year ago.

Did they ever tell you what they considered "high"?