topic Re: NFCU max unsecured limit in Credit Cards

NFCU max unsecured limit

swpopham — Thu, 08 Aug 2019 15:31:58 GMT

I guess the wife and I hit it at 120k

15k loc mine

15k loc hers

42k cash rewards hers

48k cash rewards mine.

Put in for 50k on the wifes the cash rewards and was approved from 25k to 42k and recived a letter saying the full amount wasnt approved becasue we are at the maximum unsecured limit.

Just wanted to post this and see where everyone else is at or if this is the standard limit.

Re: NFCU max unsecured limit

FinStar — Thu, 08 Aug 2019 16:06:30 GMT

IIRC, @CreditCuriosity experienced some similar circumstances on the max unsecured exposure with NFCU. My memory is a bit foggy, but he can definitely chime in.

Re: NFCU max unsecured limit

CreditCuriosity — Thu, 08 Aug 2019 17:15:31 GMT

Max unsecured cc is 80k per member now. Not sure about max unsecured credit. Assume that is 80k for cc and 15k for cloc for personal side of nfcu business. I can speak of cc max unsecured though as computer glitch put me above their max and had to reduce a bit while on with an uw from them

Re: NFCU max unsecured limit

Anonymous — Thu, 08 Aug 2019 17:49:01 GMT

There is hope for me yet....2 weeks ago $2000 was the max unsecured limit they could offer me.... One day i will reach your number.

Re: NFCU max unsecured limit

Anonymous — Thu, 08 Aug 2019 17:54:03 GMT

Those are some nice numbers from NFCU! Thanks for sharing your dp's!

Re: NFCU max unsecured limit

Credit-hoarder — Thu, 08 Aug 2019 17:58:32 GMT

@CreditCuriosity wrote:
Max unsecured cc is 80k per member now. Not sure about max unsecured credit. Assume that is 80k for cc and 15k for cloc for personal side of nfcu business. I can speak of cc max unsecured though as computer glitch put me above their max and had to reduce a bit while on with an uw from them

I wouldn't mind having a $35k or greater CL on my Cash Rewards. At what point do they ask for POI?

Re: NFCU max unsecured limit

CreditCuriosity — Thu, 08 Aug 2019 18:44:23 GMT

@Credit-hoarder wrote:
@CreditCuriosity wrote:
Max unsecured cc is 80k per member now. Not sure about max unsecured credit. Assume that is 80k for cc and 15k for cloc for personal side of nfcu business. I can speak of cc max unsecured though as computer glitch put me above their max and had to reduce a bit while on with an uw from them
I wouldn't mind having a $35k or greater CL on my Cash Rewards. At what point do they ask for POI?

They have never asked for POI from me... My Platinum is 50k and Flagship is 30k. Reallocations happened to make those limits from other cards, etc.

Re: NFCU max unsecured limit

swpopham — Thu, 08 Aug 2019 19:34:55 GMT

@Credit-hoarder wrote:
@CreditCuriosity wrote:
Max unsecured cc is 80k per member now. Not sure about max unsecured credit. Assume that is 80k for cc and 15k for cloc for personal side of nfcu business. I can speak of cc max unsecured though as computer glitch put me above their max and had to reduce a bit while on with an uw from them
I wouldn't mind having a $35k or greater CL on my Cash Rewards. At what point do they ask for POI?

Never have but we did do a mortage with them in 2014 and had to provide everything for that process. My direct deposit hits on each friday so they know what I make.

Re: NFCU max unsecured limit

swpopham — Thu, 08 Aug 2019 19:38:12 GMT

@CreditCuriosity wrote:
Max unsecured cc is 80k per member now. Not sure about max unsecured credit. Assume that is 80k for cc and 15k for cloc for personal side of nfcu business. I can speak of cc max unsecured though as computer glitch put me above their max and had to reduce a bit while on with an uw from them

I was trying to buy a steel building and borrow the money withthem and the loan officer, told me they could do 50k indivudual or 150k if both the wife and I was on it as a signature loan.

Our problem with NFCU is we are joint on everything with each other from back in 2012 when I was rebuilding and the wife had perfect credit. So without closing out our 2 CCs and opening new ones we dont have a choice, we dont need anymore credit, I just enjoy playing the game.