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NFCU Maximum unsecured credit limit

12njoy
Super Contributor

Re: NFCU Maximum unsecured credit limit


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

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

Profile Worth 1.2M+ (Just 1 store only card/PayPal Credit @5.5k)
___________ 12Njoy
Message 11 of 37
O_G
Regular Contributor

Re: NFCU Maximum unsecured credit limit


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

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.

Message 12 of 37
Meanmchine
Super Contributor

Re: NFCU Maximum unsecured credit limit


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

You forgot to plug Discover ;p


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 13 of 37
CerebralZulu
Frequent Contributor

Re: NFCU Maximum unsecured credit limit

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.



Message 14 of 37
AllZero
Super Contributor

Re: NFCU Maximum unsecured credit limit

Congratulations on your CLI!
Message 15 of 37
O_G
Regular Contributor

Re: NFCU Maximum unsecured credit limit


@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.


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.

Message 16 of 37
coachbeau
Member

Re: NFCU Maximum unsecured credit limit

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.
Message 17 of 37
AllZero
Super Contributor

Re: NFCU Maximum unsecured credit limit


@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.
Congratulations on your approval!
Message 18 of 37
Creditaddict
Legendary Contributor

Re: NFCU Maximum unsecured credit limit

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.

Message 19 of 37
O_G
Regular Contributor

Re: NFCU Maximum unsecured credit limit


@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.


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.  

Message 20 of 37
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