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NFCU Flagship Rewards - Approval - $25K

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Aim_High
Super Contributor

Re: NFCU Flagship Rewards - Approval - $25K


@Janneman wrote:

@Aim_High 

 

Bravo !!!  A big congratulation to you....everything you touch, becomes Gold !!!...Very happy for you, and I believe this is a new datapoint which we were not aware of it...like requesting for relocation of CL immediately to newly approved Credit card...otherwise, so far most people were not able to be successful into this unlike in the past...Its a very good dp...

 

On a personal note, I personally kinda reluctant to put all my CL into one account because if ever NFCU do accounting then I am not sure if they would slash out CL if people are not using it enough...or if something goes wrong in one account then whole CL in it will be affected...Its just my own concerns....however, I am not sure what I am gonna do....But I am very happy for you....Enjoy...-Smiley Happy


Thanks very much, @Janneman, and I'm glad to share the data points for others to benefit.  Smiley Happy  I had heard of a few other members who succeeded in credit limit consolidation with the balance transfer logic, but I'm glad to validate it for the community.

 

While I've seen reports of a few selected lenders cutting credit limits on cards with insufficient usage, it's not something I've ever experienced, at least for that reason.  (I did have lenders balance-chase a long time ago but that wasn't usage-related.)  I've found that as long as I use my cards, my FICO is high, DTI is modest, and utilization is low that my lenders have normally allowed me to retain high credit limits without using a great majority of them.   As for "if something happens" to this card, I've got others but that might be more of a concern if I did not.  So I would say while both of those could be valid worries, it would depend on overall profile and card usage patterns. 


Business Cards


Length of Credit > 42 years; Total Credit Limits > $957.6K
Top Lender TCL - Chase 165.9 - BofA 99.9 - CITI 98.5 - AMEX 95.1 - NFCU 80.0 - SYCH - 65.0
AoOA > 32 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 31 of 37
Aim_High
Super Contributor

Re: NFCU Flagship Rewards - Approval - $25K


@SouthJamaica wrote:

Congratulations on the approval, and on your parlaying this and your platinum card into a $75k limit, which I know fits with your objective of having fewer accounts with larger individual limits.


Thanks @SouthJamaica! Smiley Very Happy  And yes, that is an objective to have fewer accounts with larger limits, spread out among a variety of major lenders for diversification.  I'm at a place where, if I chose to consolidate all CLs with each lender onto one card, reaching NFCU max exposure of $80K in six months with one more $5K increase, and one more good CLI of about $7.5K on my CITI AA Executive, I could have Chase Sapphire Reserve ($139.4K); BofA Premium Rewards ($99.9K), NFCU FSR ($80K), AMEX Marriott Bonvoy Brilliant ($75K), Discover ($52K), Barclay's Aviator Red ($50K), and CITI AAdvantage Executive ($50K*) for TCL of $546.3K on my largest (7) cards, average $78K+.  Smiley Surprised  Not sure I will take it to that extreme but it's amazing to consider! 

 

(*Full CITI CL consolidation isn't possible since they won't allow the Costco card to be product-changed or to combine limits.) 


Business Cards


Length of Credit > 42 years; Total Credit Limits > $957.6K
Top Lender TCL - Chase 165.9 - BofA 99.9 - CITI 98.5 - AMEX 95.1 - NFCU 80.0 - SYCH - 65.0
AoOA > 32 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 32 of 37
Aim_High
Super Contributor

Re: NFCU Flagship Rewards - Approval - $25K


@orthoclase wrote:

Congratulations!

= = = = = = = = = = = = = = = = = =


@coreyb80 wrote:

Congrats on the strong approval!

= = = = = = = = = = = = = = = = = =


@cashorcharge wrote:

WooHoo!! Congratulations @Aim_High on another Approval!!👏🏼🍾🥂

= = = = = = = = = = = = = = = = = =


@TheRedHat wrote:

Ah. So it's Aim_For_The_Next_Dimension, then. Congrats on the high limit!


Thanks so much @orthoclase, @coreyb80, @cashorcharge, @TheRedHat! Smiley Happy

Yes, the next dimension, @TheRedHat!  Lol Smiley Tongue


Business Cards


Length of Credit > 42 years; Total Credit Limits > $957.6K
Top Lender TCL - Chase 165.9 - BofA 99.9 - CITI 98.5 - AMEX 95.1 - NFCU 80.0 - SYCH - 65.0
AoOA > 32 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 33 of 37
Aim_High
Super Contributor

Re: NFCU Flagship Rewards - Approval - $25K


@nytokyobred79 wrote:

Wow @Aim_High 

Watching your last few months of approvals is amazing. Congrats! 

 = = = = = = = = = = = = = = = =


@debianx74 wrote:

@Aim_High  😎, congrats on FSR approval and credit limit conslidation from your Platinum to you new FSR.

  = = = = = = = = = = = = = = = =


@CreditMagic7 wrote:

Nice going there @Aim_High. Good to see that they consolidated for you with no pushback or other delay.

It's always a PLUS with NFCU when they can stage up with you. Congratulations!!!




Thanks very much, @nytokyobred79, @debianx74, @CreditMagic7! Smiley Very Happy

I'm feeling blessed with my credit progress over the past few years. 


Business Cards


Length of Credit > 42 years; Total Credit Limits > $957.6K
Top Lender TCL - Chase 165.9 - BofA 99.9 - CITI 98.5 - AMEX 95.1 - NFCU 80.0 - SYCH - 65.0
AoOA > 32 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 34 of 37
Binbinimiwi
Frequent Contributor

Re: NFCU Flagship Rewards - Approval - $25K

Congratulations on the NFCU Flagship! Enjoy those perks!

>>
FICO8 Scores as of JAN 2021:

FICO8 Scores as of JULY 2023:

FICO9 Scores as of July 2023:


Message 35 of 37
SUPERSQUID
Valued Contributor

Re: NFCU Flagship Rewards - Approval - $25K

CONGRATS !!!!!CONGRATS !!!!!

Message 36 of 37
Aim_High
Super Contributor

Re: NFCU Flagship Rewards - Approval - $25K


@Binbinimiwi wrote:

Congratulations on the NFCU Flagship! Enjoy those perks!

 = = = = = = = = = = = = = = = = = = = =


@SUPERSQUID wrote:

CONGRATS !!!!!CONGRATS !!!!!


Thanks very much @Binbinimiwi and @SUPERSQUIDSmiley Very Happy


Business Cards


Length of Credit > 42 years; Total Credit Limits > $957.6K
Top Lender TCL - Chase 165.9 - BofA 99.9 - CITI 98.5 - AMEX 95.1 - NFCU 80.0 - SYCH - 65.0
AoOA > 32 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 37 of 37
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