topic Re: What are my odds? NFCU combine limits in Credit Cards

What are my odds? NFCU combine limits

ambivalent — Mon, 19 Jul 2021 17:39:45 GMT

Hello! I am wondering if anyone can give some insight on whether this may be successful or not. I have two cards with NFCU, both maxed out with 23.2 and 25k limits. I will be paying the 25k off next week. What are my chances of NFCU allowing me to transfer the 25k limit to the other card and close it? I will also pay a few thousand on to the other card to bring it not so close to the limit. I appreciate all thoughts or ideas on how I can make this happen. ETA: I’ve had these cards for years, since 2012/2013 if that helps any.

Re: What are my odds? NFCU combine limits

SouthJamaica — Mon, 19 Jul 2021 17:53:59 GMT

@ambivalent wrote:
Hello! I am wondering if anyone can give some insight on whether this may be successful or not. I have two cards with NFCU, both maxed out with 23.2 and 25k limits. I will be paying the 25k off next week. What are my chances of NFCU allowing me to transfer the 25k limit to the other card and close it? I will also pay a few thousand on to the other card to bring it not so close to the limit. I appreciate all thoughts or ideas on how I can make this happen. ETA: I’ve had these cards for years, since 2012/2013 if that helps any.

I think they will do that.

I know I have moved limits with them in the past.

Why don't you not close the paid off account, just leave it with a small limit?

Re: What are my odds? NFCU combine limits

ambivalent — Mon, 19 Jul 2021 18:13:03 GMT

Thank you for your response. I never considered keeping a small amount on that one. Hm. I was transferring the entire amount in order to be under 50% utilization…maybe I could ask to transfer 22k and then keep it at 3k.

Re: What are my odds? NFCU combine limits

coldfusion — Mon, 19 Jul 2021 18:53:10 GMT

Both cards are way over 1 year old so as long as you haven't had a CLI on the $23.2K card within the last 6 months you should be good to go.

Re: What are my odds? NFCU combine limits

ambivalent — Mon, 19 Jul 2021 19:14:23 GMT

@coldfusion wrote:
Both cards are way over 1 year old so as long as you haven't had a CLI on the $23.2K card within the last 6 months you should be good to go.

I haven’t had any cli in years. I got a letter that I’ve reached my internal limit. This was also years ago. Will that have any effect?

Re: What are my odds? NFCU combine limits

coldfusion — Mon, 19 Jul 2021 19:36:21 GMT

That in itself shouldn't as you aren't asking for additional credit, only a reallocation of existing credit. However, depending upon the specifics of the comments made in your signature having other card currently maxed out may or may not give them pause.

If you don't ask you don't get.....

Re: What are my odds? NFCU combine limits

ambivalent — Mon, 19 Jul 2021 19:46:46 GMT

The other cards that are maxed will be paid down/off at the end of the month as well. I will probably wait to ask for the reallocation until mid-August when my scores update. You are right about that, closed mouths don't get fed!

Re: What are my odds? NFCU combine limits

RickNATL — Wed, 21 Jul 2021 06:14:26 GMT

I've only moved limits...but no balance on each...also, moved GoReward CL to the Flagship, for a combined $57.8K. Not sure which card you have and if they allow you to hit the $50K mark, however, combining was as easy as a secured message, I didn't call.

Re: What are my odds? NFCU combine limits

ambivalent — Wed, 21 Jul 2021 13:51:23 GMT

@RickNATL wrote:
I've only moved limits...but no balance on each...also, moved GoReward CL to the Flagship, for a combined $57.8K. Not sure which card you have and if they allow you to hit the $50K mark, however, combining was as easy as a secured message, I didn't call.

Was this recent? If I combine I will be just under 50k. It seems wait times are really long these days; I'd rather send a message, but I feel I may have better luck if I actually speak to someone.

Re: What are my odds? NFCU combine limits

DivideByZero — Thu, 22 Jul 2021 17:49:31 GMT

I know others have had success in the past combining limits, but I have read chatter that they are no longer allowing this. Make sure to keep us updated, as I am interested in doing this as well.

Re: What are my odds? NFCU combine limits

spiritcraft1 — Thu, 22 Jul 2021 18:00:53 GMT

I tried to move some limit through a phone call 6 weeks or so ago and it went nowhere. No letter, no denial no message, the request went into the void. The rep said they "do it all the time" but perhaps he never submitted it. I wanted to move $20k to my Flagship from my CB.

I suppose a secure message is worth another shot.

Re: What are my odds? NFCU combine limits

ambivalent — Wed, 28 Jul 2021 14:49:21 GMT

I called in today to receive a payoff amount and the CSR said she saw that I submitted a request for the account combination and that department is really backed up, so not to expect to hear anything for at least a week. Just FYI for anyone else who may have submitted a request.

UPDATE: I ended up calling in to cancel/adjust the request. I panicked after I realized that card is my oldest tradeline and didn't want to close it or really mess with it at all. The rep told me they already made a decision and were unable to process my request, so I guess it all worked out for the moment.