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Sorry I can't help I am new to NFCU Sorry for not helping you
What card do you currently have with them & what's the limit?
I have a platinum Visa with a 25k limit. Never asked for more, didn't want to get greedy. Recently apped for the goRewards. Approved, but only for 5k.
So I'm wondering if (for me at least) my overall limit might be 30k.
Hard to say. I do have 2 checking accts, 1 savings, 2 CC's, 1 active & several paid car loans, IRA acct & sav cert with them. 9 year history.
I would call their customer service, or if the chat tab shows up, use that. I think the Chat tab is only M-F. Phone...24/7/365!!
Contact them & ask what this all means. Their reps are amazing & super nice! Always.
@kobe2012 wrote:
Applied for a second card with them and it says" exceeds maximum unsecured loan" or something like that.... does this mean my cli that I will initiate next month after AR will get declined?
As you stand with them right now you are at their max. If your profile is the same when you request a CLI, you will get the same response.
Things that can change your "max" with them are the following.
Increased income
Lower your UTI by alot. Get the CLOC way down.
Increasing your scores, which are very low.
Baddies falling off. (Your scores indicate dirty files) BK will hurt for quite sometime.
@kobe2012 wrote:
I only have cashrewards $6200 limit and $10000 limit CLOC... everything has $0 balance but CLOC about $7000 balance
What are your current scores? It sounds like you are just at your internal limit with NFCU.
@kobe2012 wrote:
@Anonymous's currently @Anonymous on all 3.. a lot higher .. I don't wanna waste another hp next month if I'm on their max
Wait until you are around 680ish. Hopefully, that will raise your internal max and give you some room for CLI's.