@Anonymous wrote:
However, if you receive a monster limit on your second card, you could always try to PC to the card you prefer (provided the card you applied for can be changed). I remember some talk about the Amex not being able to be changed to another product. So maybe apply for something else.
@Thank you, @Anonymous. That's not a bad idea at all. Do you know whether the product change could occur right away, or would the second card need to be open a minimum amount of time? Also if the second card is, say, the Flagship Visa, could that be product changed to the cashRewards card if one already has the cashReward card? In other words, can you have two of the same card at NCFU? (Perhaps one could be an MC and the other a Visa?)
@ZenMan wrote:
@Anonymous wrote:
However, if you receive a monster limit on your second card, you could always try to PC to the card you prefer (provided the card you applied for can be changed). I remember some talk about the Amex not being able to be changed to another product. So maybe apply for something else.@Thank you, @Anonymous. That's not a bad idea at all. Do you know whether the product change could occur right away, or would the second card need to be open a minimum amount of time? Also if the second card is, say, the Flagship Visa, could that be product changed to the cashRewards card if one already has the cashReward card? In other words, can you have two of the same card at NCFU? (Perhaps one could be an MC and the other a Visa?)
@ZenMan So you have alot of questions here i will try to help with them all as much as i can 
incoming novel as always YMMV
1. Combining cards is very much not something NFCU will do. You COULD ask to move the limit leaving the donor card at 500, but then you would have to close it yourself, but since most of the cards are no AF, no reason honestly. There are situations (case by case) where ppl have asked to move a limit over to another card usually saying its to have a larger limit for a BT to Navy. UW decide, but its not normal for them.
2. UW for the cards is ALL the same. The only difference is that to get flagship you have to be able to get approved over 5k. Yes, you can have multiple cards in any variation. I have seen ppl with 2 CR visa's and navy doesnt care. As you can see i have one of each and prefer it that way. You could have all three the same. 3 is the max you can have with Navy. (not sure if the "unicorn" 4th was real unfortunately) I will say, for me, i really dont see the point of the Flagship as the rewards for it are not worth the AF since the no AF versions have all the same benefits mostly and the CPP value on the flagship is lacking currently. A PC is very simple call to Navy and they change it right there and mail you the card in a few days. Make sure to use whatever points/CB you have as you will lose that during a PC.
3. 91/3 is very much still in effect if you are suggesting new cards. If you have a clean profile then, CLI at 91/3 is more possible. If your profile is still dirty (like myself) then you might have to wait 6 months to get a CLI, but a new card based on TU9 does net a higher SL in most cases. I apologize, but this is based on a profile with 1 CO and some CA's all paid (since paid helps on Fico9) but not sure with a DC BK. not high income either. The more history you have the better it will go, provided it good history 
First card: cash rewards. 1k SL>6months CLI to 3k> after 1yr CLI to 7.5k
Second card: GoRewards 4k SL> 6 months CLI to 7.5k
Third card: Amex MR SL> 15k still no CLI and over 6 months old.
So yes, you are correct, and something i have preached when helping on this thread. CLI's are harder to get without a clean profile, but with some history with navy you will get higher and higher new card SL's usually YMMV
@AnonymousSo yes, you are correct, and something i have preached when helping on this thread. CLI's are harder to get without a clean profile, but with some history with navy you will get higher and higher new card SL's usually YMMV
Jago22, there is absolutely no need to apologize. Yours was a very thorough, easy-to-follow, and not at all surprising answer to my questions. A thousand thanks! I had a sneaking suspicion that all these NFCU second card "monster SL" posts were most likely from those members with few, if any, derogatories on their reports. As with anything in the credit world, approvals and increases are entirely profile dependent, and it can be dangerous to extrapolate from one person's success (or failure) without all the facts. A $15K SL for someone else doesn't at all mean that if I apply in the same timeframe, I'll achieve identical results.
If I could mirror the progress that you yourself have made with NFCU, I'd be more than happy. Unlike many creditors out there, Navy seems very willing to open the door just a tad wider for those of in rebuild mode. Be patient, be diligent, and your cards will grow, it seems.
wrote:
@AnonymousSo yes, you are correct, and something i have preached when helping on this thread. CLI's are harder to get without a clean profile, but with some history with navy you will get higher and higher new card SL's usually YMMV
Jago22, there is absolutely no need to apologize. Yours was a very thorough, easy-to-follow, and not at all surprising answer to my questions. A thousand thanks! I had a sneaking suspicion that all these NFCU second card "monster SL" posts were most likely from those members with few, if any, derogatories on their reports. As with anything in the credit world, approvals and increases are entirely profile dependent, and it can be dangerous to extrapolate from one person's success (or failure) without all the facts. A $15K SL for someone else doesn't at all mean that if I apply in the same timeframe, I'll achieve identical results.
If I could mirror the progress that you yourself have made with NFCU, I'd be more than happy. Unlike many creditors out there, Navy seems very willing to open the door just a tad wider for those of in rebuild mode. Be patient, be diligent, and your cards will grow, it seems.
+1 Sounds like you have this handled they will grow. Even tho almost everything with Navy is an HP, they make it worth it. also as a minor DP for those who are reading that card/CLI list. I opened my first Navy card 5/17, the last 3rd card with 15k SL was 12/17. Also was approved my 14k CLOC that same day and it was a few weeks after getting the "infamous" you have reach your maximum with navy letter
It does take history with them, but as you can see it's not really that long in the grand scheme. I will say this, even tho i did the card every 91/3 almost, i do beleive had i waited 6 months or more between them, it wouldnt have been the 3rd card that finally got the Monster SL YMMV
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@ZenMan I<snip>
You could have all three the same. 3 is the max you can have with Navy. (not sure if the "unicorn" 4th was real unfortunately)<snip>
What are you saying here?
That Navy doesnt care what kind of card you app for, you could have 3 cards with them all the same type and billing processor. like 3 cashrewards visa and as long as you are using them and paying them, its irrelavant to navy.
3 is the max amount of cards you can aquire with Navy. There was a poster stating he got a 4th card, but unfortunately we were unable to verify that, so i'm sticking with the 3 cards are max at this time.
Gotcha. Thanks.
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@ZenMan I<snip>
You could have all three the same. 3 is the max you can have with Navy. (not sure if the "unicorn" 4th was real unfortunately)<snip>
What are you saying here?
That Navy doesnt care what kind of card you app for, you could have 3 cards with them all the same type and billing processor. like 3 cashrewards visa and as long as you are using them and paying them, its irrelavant to navy.
3 is the max amount of cards you can aquire with Navy. There was a poster stating he got a 4th card, but unfortunately we were unable to verify that, so i'm sticking with the 3 cards are max at this time.
@Anonymous mean @peghede ? What method would you use to verify that ?
