topic Re: Moving credit limits between nfcu cards in Credit Cards

Moving credit limits between nfcu cards

Jccflat — Mon, 27 Jul 2020 16:15:11 GMT

can I send a secure message to nfcu asking to move from a Amex card to platinum card 15k so the platinum will have 35k ?

are they ok with that don't wanna ask something they don't like to process

i use allot for advance and pay back after 3 weeks always

taking advantage of the low apr the platinum has

Re: Moving credit limits between nfcu cards

Brian_Earl_Spilner — Mon, 27 Jul 2020 16:56:32 GMT

You can ask them to do just about anything through secure message.

Re: Moving credit limits between nfcu cards

M_Smart007 — Mon, 27 Jul 2020 17:21:34 GMT

@Jccflat wrote:
can I send a secure message to nfcu asking to move from a Amex card to platinum card 15k so the platinum will have 35k ?
are they ok with that don't wanna ask something they don't like to process

i use allot for advance and pay back after 3 weeks always
taking advantage of the low apr the platinum has

Simple answer yes!

Re: Moving credit limits between nfcu cards

Jccflat — Tue, 28 Jul 2020 19:21:16 GMT

Sent yesterday afternoon a secure message never heard back

as of now

does it take forever for them to open it ? Thanks

Re: Moving credit limits between nfcu cards

Anonymous — Tue, 28 Jul 2020 20:51:39 GMT

They try to get back to you within 24-48 hours. It may take a bit longer due to everything going on. I would give it till Thursday. Worst case, you can call in for assistance. Good luck

Re: Moving credit limits between nfcu cards

M_Smart007 — Wed, 29 Jul 2020 02:09:21 GMT

NFCU is swamped! .. So the wait times are a bit longer than normal.

Re: Moving credit limits between nfcu cards

Jccflat — Wed, 29 Jul 2020 09:56:10 GMT

I see that

it was never that long of waiting time for a reply ,

I guess short of staff because of the covid 19 the

Re: Moving credit limits between nfcu cards

UpperNwGuy — Wed, 29 Jul 2020 11:06:56 GMT

@Jccflat wrote:
i use allot for advance and pay back after 3 weeks always
taking advantage of the low apr the platinum has

If you're using the card for a lot of cash advances, NFCU may suggest you take out a personal loan instead of increasing your credit limit on the Platinum card.

Re: Moving credit limits between nfcu cards

ldkcivilservant — Fri, 31 Jul 2020 15:28:48 GMT

I am at 3 days right now for a reply to a secure message. Never been this long before. No biggie though.

Re: Moving credit limits between nfcu cards

Harvey26 — Fri, 31 Jul 2020 15:47:58 GMT

@Jccflat wrote:
can I send a secure message to nfcu asking to move from a Amex card to platinum card 15k so the platinum will have 35k ?
are they ok with that don't wanna ask something they don't like to process

i use allot for advance and pay back after 3 weeks always
taking advantage of the low apr the platinum has

This is a 50/50 shot. There have been lots of people who have asking to moved limits and it has been approved and there have been people like myself who have been told no.

Re: Moving credit limits between nfcu cards

tussking — Sat, 01 Aug 2020 02:40:50 GMT

I was told they are no longer moving limits. I tried in the beginning of July. Keep us posted and good luck!

Re: Moving credit limits between nfcu cards

ocheosa — Sat, 01 Aug 2020 17:28:44 GMT

@Jccflat wrote:
I see that
it was never that long of waiting time for a reply ,
I guess short of staff because of the covid 19 the

As others have mentioned, I'm sure they are swamped. Did you use the credit line increase/decrease prompt? That way it gets to the right group vs sitting in the general queue. I requested a reallocation between cards in April. It was completed within 2 days and the process was flawless. Of course only the east coast was lit up by covid at the time, now it's basically ravaging a good part of the country so I can only imagine the backlog.

Maybe give a call so they can pull the request and move it to the top of the pile? Good luck !

Re: Moving credit limits between nfcu cards

Jccflat — Sun, 02 Aug 2020 11:11:25 GMT

After three days with no reply I sent a secure message with 2 question marks

Within two hours I got an answer and They granted my request of moving the limits ,

Upper new guy taking a personal loan form navy works the same? because I borrow and pay back after a week and repeat ? Is it same as CLOC it's on my account and I can borrow whenever I want ?

And what is involved ? Allot of Documents to pe approved

Re: Moving credit limits between nfcu cards

ldkcivilservant — Fri, 07 Aug 2020 15:58:38 GMT

Mine took nearly 10 days (!!!!!!) for a reply, but they granted my request. $14.5k was moved from my MORE Rewards to Platinum, lowering that to $14.5k but boosting my Platinum up to $40k.

That make the balance I am carrying on my Plat now less than 29% of the limit. So a few FICO points for me when it reports!