NFCU Credit Line Increases (Cash Rewards/More Rewards/Flagship)

[mchang124]

About 9 months ago, while still in the midst of the pandemic, I had gotten CLI on all three of my NFCU. All SP, done after hours. Had gotten the confirmation email that the CLI were approved. But 24 hours later, received a message from NFCU that I had reached their maximum exposure ($80k) and the CLI were removed and credit limits were set back to what they were before. 

decided to ask for a CLI again. Just asked for $5k CLI on each card. Auto approved again. Got the confirmation email this morning and my CLI have remained. 

Pics will do the rest of the work for me. 

DP: 

Soft Pull

FICO 8 TU 770 / EQ 783

INQ passed 12 months TU 4 EQ 2 EX 10

5/24 Status 3/24

UTI 3% 

AAoA 4 years

Stated income 95k

Update: CLI clawed back.  

[RealEstateGuy89]

 @mchang124 Congratulations on your 3 Navy CLI's!  That's pretty lucky if you ask me! Holy cow! 🤑

Did they change the credit limit ceiling over at Navy Federal lately? 😮

[gingerflower]

Congratulations!

[mchang124]

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@RealEstateGuy89 wrote:

Did they change the credit limit ceiling over at Navy Federal lately? 😮

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I thinking they did. During the whole pandemic, they were limiting exposure to 80k total. and it wasnt just me. there were tons of people in that same boat. so i'm going to assume they are easing off with the end of the pandemic.

[SweetCreditObsession]

Wow! Congratulations on the NFCU CLI's.

[RealEstateGuy89]

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@mchang124 wrote:

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@RealEstateGuy89 wrote:

Did they change the credit limit ceiling over at Navy Federal lately? 😮

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I thinking they did. During the whole pandemic, they were limiting exposure to 80k total. and it wasnt just me. there were tons of people in that same boat. so i'm going to assume they are easing off with the end of the pandemic.

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That's awesome! Good for you. 

[JoeRockhead]

Nicely done, congrats!!

[Traveler101]

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@mchang124 wrote:

About 9 months ago, while still in the midst of the pandemic, I had gotten CLI on all three of my NFCU. All SP, done after hours. Had gotten the confirmation email that the CLI were approved. But 24 hours later, received a message from NFCU that I had reached their maximum exposure ($80k) and the CLI were removed and credit limits were set back to what they were before. 

decided to ask for a CLI again. Just asked for $5k CLI on each card. Auto approved again. Got the confirmation email this morning and my CLI have remained. 

Pics will do the rest of the work for me. 

DP: 

Soft Pull

FICO 8 TU 770 / EQ 783

INQ passed 12 months TU 4 EQ 2 EX 10

5/24 Status 3/24

UTI 3% 

AAoA 4 years

Stated income 95k

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It will be interesting to see if your limits will stay in tact. I'm sure if so, there is going to be a myfico effect and there will be a stampede of people attempting to go beyond the 80k mark. Myself inclued.

[FinStar]

@mchang124 - don't be surprised if NFCU adjusts the CLs again. Several other members who reached above the $80K maximum were contacted by NFCU and had any overlines adjusted. @CreditCuriosity was one of them from a while ago. There were 2 recent DPs reported on this as well.

[CreditCuriosity]

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@FinStar wrote:

@mchang124 - don't be surprised if NFCU adjusts the CLs again. Several other members who reached above the $80K maximum were contacted by NFCU and had any overlines adjusted. @CreditCuriosity was one of them from a while ago. There were 2 recent DPs reported on this as well.

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Correct you will gte a haircut on those limits unless they raised the ceiling, but unlikely.