The latest on NFCU combining limit strategy?

[spiritcraft1]

Both the DW and I would like to grow our Flagship limits.  She is past the time frame for a CLI and I am nearing 6 months.  I am maxed at $80k and she is at $77.5k.  Is it wise to decrease another card by $8k and then try for a CLI on the FS? 

We each have one $30k+ card that is never used. I wish they would just combine accounts again or allow for moving credit limits.

[M_Smart007]

@spiritcraft1, PM sent.

[Anonymous]

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@M_Smart007 wrote:

@spiritcraft1, PM sent.

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Does Navy allow moving credit limits between cards?

[M_Smart007]

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@Anonymous wrote:

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@M_Smart007 wrote:

@spiritcraft1, PM sent.

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Does Navy allow moving credit limits between cards?

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Technically NO.

[spiritcraft1]

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@Anonymous wrote:

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@M_Smart007 wrote:

@spiritcraft1, PM sent.

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Does Navy allow moving credit limits between cards?

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It is too bad they don't for those who are maxed out exposure wize, but it is what it is.  Currently it may be a few years process but we will see.

[SouthJamaica]

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@spiritcraft1 wrote:

Both the DW and I would like to grow our Flagship limits.  She is past the time frame for a CLI and I am nearing 6 months.  I am maxed at $80k and she is at $77.5k.  Is it wise to decrease another card by $8k and then try for a CLI on the FS? 

We each have one $30k+ card that is never used. I wish they would just combine accounts again or allow for moving credit limits.

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I would leave well enough alone.

[cashorcharge]

Also...if you do those reallocations...it DOES reset the 6 monthly CLI eligibility window

I was successful in moving stuff around, eliminating 1 card and allocating to now only 2 but needed to wait another 6 months to get the final CLI taking me to the $80K threshold

[spiritcraft1]

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@cashorcharge wrote:

Also...if you do those reallocations...it DOES reset the 6 monthly CLI eligibility window

I was successful in moving stuff around, eliminating 1 card and allocating to now only 2 but needed to wait another 6 months to get the final CLI taking me to the $80K threshold

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Yes, best case that way of the turtle, every 6 months would take 3+ years. 

[M_Smart007]

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@spiritcraft1 wrote:

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@cashorcharge wrote:

Also...if you do those reallocations...it DOES reset the 6 monthly CLI eligibility window

I was successful in moving stuff around, eliminating 1 card and allocating to now only 2 but needed to wait another 6 months to get the final CLI taking me to the $80K threshold

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Yes, best case that way of the turtle, every 6 months would take 3+ years. 

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Slow and steady wins?

[M_Smart007]

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@cashorcharge wrote:

Also...if you do those reallocations...it DOES reset the 6 monthly CLI eligibility window

I was successful in moving stuff around, eliminating 1 card and allocating to now only 2 but needed to wait another 6 months to get the final CLI taking me to the "$80K threshold"

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@cashorcharge, No more soup for me