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NFCU Maximum unsecured credit limit

SSgtUSMC
New Contributor

NFCU Maximum unsecured credit limit

All,

     I wanted to see if anyone has faced something similar as I recently did.  I requested a CL increase on my NFCU Rewards card to $25k from $15,300 and was increased to $22,000k.  A letter I received stated that "You've reached Navy Federal's maximum unsecured credit limit".  Has anyone received something similar?  I am asking because I also wanted to ask for an increase on my LOC to $15,000 (currently at $10,000).

    The other silver lining is that I inquired about an APR reduction and it was granted to the lowest available on that card.

    I do plan to plan to seek another bank/institution but am currently buying a home (due to be completed in Nov) so am unsure if that affects it as well (VA Loan through NFCU too)

   

 

NFCU Rewards: CL $22,000

  • Requested increase on 9/'19 to $25,000 from $15,300 
    • Last increased on 12/'18 from $13,300
  • APR reduced from 14.9% to 10.9%

NFCU AMEX: CL $25,000

  • Opened 4/'19

NFCU LOC: $10,000

  • Increased on 4/'19 from $6,000
Message 1 of 37
36 REPLIES 36
Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: NFCU Maximum unsecured credit limit

People get it all the time. I just got it on my cash rewards. It's the same as Discover, that's all their comfortable lending you at that point in time. 







Message 2 of 37
AverageJoesCredit
Community Leader
Mega Contributor

Re: NFCU Maximum unsecured credit limit

Yes this is common . Congrats on massive limits. If they are not enough may i suggest Pendread🤡
Message 3 of 37
morgacj2004
Valued Contributor

Re: NFCU Maximum unsecured credit limit

My internal limit is 50k

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550
Message 4 of 37
Pro-X
Frequent Contributor

Re: NFCU Maximum unsecured credit limit

Congrats on your approval!!


Message 5 of 37
xiocc
Regular Contributor

Re: NFCU Maximum unsecured credit limit

Hello,

 

Their current limits are 80k across all cc's for the primary cardholder(3 max). CLOC's fall under a category even though they are unsecured. Their max has been decreased and I doubt you will be able to get an increase. 







Message 6 of 37
SEAlifer
Established Contributor

Re: NFCU Maximum unsecured credit limit

Not what you were shooting for but still nice!


 

AU


Message 7 of 37
Marz2002
Valued Contributor

Re: NFCU Maximum unsecured credit limit

YOU...

Awesome Congratulations GIF by Slanted Studios

CONGRATS  on the AWESOME  NFCU Rewards CLI, the APR reduction and Thank You for your Service! 

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | NFCU cashRewards $3K | NFCU More Rewards AMEX $33.5K | NFCU Flagship VS $19K
Macy's AMEX $18K | Apple Card WEMC $6K | PenFed Power Cash Rewards VS $7.5K

TCL - $211K+ | Rebuilding since April 2018
Message 8 of 37
12njoy
Super Contributor

Re: NFCU Maximum unsecured credit limit


@SSgtUSMC wrote:

All,

     I wanted to see if anyone has faced something similar as I recently did.  I requested a CL increase on my NFCU Rewards card to $25k from $15,300 and was increased to $22,000k.  A letter I received stated that "You've reached Navy Federal's maximum unsecured credit limit".  Has anyone received something similar?  I am asking because I also wanted to ask for an increase on my LOC to $15,000 (currently at $10,000).

    The other silver lining is that I inquired about an APR reduction and it was granted to the lowest available on that card.

    I do plan to plan to seek another bank/institution but am currently buying a home (due to be completed in Nov) so am unsure if that affects it as well (VA Loan through NFCU too)

   

 

NFCU Rewards: CL $22,000

  • Requested increase on 9/'19 to $25,000 from $15,300 
    • Last increased on 12/'18 from $13,300
  • APR reduced from 14.9% to 10.9%

NFCU AMEX: CL $25,000

  • Opened 4/'19

NFCU LOC: $10,000

  • Increased on 4/'19 from $6,000

Congrats on your cli.  Thanks for posting.  I've tried 3 time to increase my limits with them and got the same notice each time.  It's nice to finally know why, thanks .  I have the following:

 

Visa Platinum 50k

Mastercard Platinum 20k

Cash Rewards 7k

LOC 15k

Profile Worth 1.2M+ (Just 1 store only card/PayPal Credit @5.5k)
___________ 12Njoy
Message 9 of 37
xiocc
Regular Contributor

Re: NFCU Maximum unsecured credit limit

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






Message 10 of 37
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