NFCU Maximum unsecured credit limit

[12njoy]

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@xiocc wrote:
Yeah you can only get 3k more on the cc. Cloc can't be increased under any circumstances.

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Thanks, yes I know about the LOC.   I was trying to increase the cash rewards but they will not give me another dime 

[Anonymous]

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@xiocc wrote:
Yeah you can only get 3k more on the cc. Cloc can't be increased under any circumstances.

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My son applied for the CLOC on Friday and got $15k.  

When were they supposed to have reduced the maximum on the CLOC?  I searched and couldn't find any data points here on the forums about this.

[Meanmchine]

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@AverageJoesCredit wrote:
Yes this is common . Congrats on massive limits. If they are not enough may i suggest Pendread🤡

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You forgot to plug Discover ;p

[CerebralZulu]

I think max unsecured limit is the catch all they use when they don't want to state the real reason. I asked to increase my Cash Rewards 10k and was only given an additional 2k. About 8 hours later I asked for 5k on my Flagship and it came right through. So I guess that it is the catch all phrase when they don't want to say we will only give you 3 times the credit limit. Go figure.

[AllZero]

Congratulations on your CLI!

[Anonymous]

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@CerebralZulu wrote:

I think max unsecured limit is the catch all they use when they don't want to state the real reason. I asked to increase my Cash Rewards 10k and was only given an additional 2k. About 8 hours later I asked for 5k on my Flagship and it came right through. So I guess that it is the catch all phrase when they don't want to say we will only give you 3 times the credit limit. Go figure.

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Yeah, Navy has started using "maximum unsecured limit" to mean that particuar individual's maximum as distnguished from their real maximum of $80k in credit card limits.

[coachbeau]

I applied for a CLI on my cash rewards and went from 1K to 1900. I immediately applied for the Go card and was given 15K. I got a letter the following week that said I was maxed on the cash rewards. Not sure why that is and then give me 15K on another card. I called and talked to a supervisor and they didn't understand it. Guess I'll wait and try again in 6 months.

[AllZero]

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@coachbeau wrote:
I applied for a CLI on my cash rewards and went from 1K to 1900. I immediately applied for the Go card and was given 15K. I got a letter the following week that said I was maxed on the cash rewards. Not sure why that is and then give me 15K on another card. I called and talked to a supervisor and they didn't understand it. Guess I'll wait and try again in 6 months.

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Congratulations on your approval!

[AllZero]

Congratulations on your approval!

[Creditaddict]

Navy used to be around $115k Unsecured in any combination of credit cards, checking line of credit and personal loan.

I wouldn't be surprised if they lowered it though.

[Anonymous]

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@Creditaddict wrote:

Navy used to be around $115k Unsecured in any combination of credit cards, checking line of credit and personal loan.

I wouldn't be surprised if they lowered it though.

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It has always been -- and still is -- $80k on credit cards and $15k on NavChek.  Personal loans , from what I was recently told, max out at $50k unsecured.

I have $80k on credit cards, $15k on NavChek and just got approved for an instantly-approved unsecured $30k persoal loan.