SP CLI on Navy Flagship Visa

Gmood1 · ‎12-24-2019

I noticed all the SPs this month. So I froze my TU tonight and requested a CLI from $23,300 to $30k.
No emails or anything telling me approved or denied.
Just checked my account 1.5 hrs later and the limit did change to $29k.
A $5700 CLI.
I thought I was already at or near max and mainly wanted to round it off to $25k.

I read somewhere that $80k was max exposure? Apparently not.

DPs TU is a 792 FICO 8 with 17 inqs.
I also have 2 other Navy CC's and a cloc. One CC is at $26k and the other at $25k. The Cloc is at $5k.
I've had the card 1 year and have never asked for a CLI.
That brings my total exposure with Navy to $85k.

AllZero · ‎12-24-2019

Congratulations on your CLI!

Anonymous · ‎12-24-2019

Congrats on your CLI.

19eighty5 · ‎12-24-2019

Congratulations on your CLI!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

thornback · ‎12-24-2019

Congratulations on the CLI and Happy Holidays!!

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

M_Smart007 · ‎12-25-2019

Congrats & Happy Holidays!

Anonymous · ‎12-25-2019

@Gmood1 wrote:
... I read somewhere that $80k was max exposure? Apparently not.

I believe the thinking is 80K total on credit cards, which is right where you are. Now feel free to shatter that glass ceiling.

Congrats! G on your Navy success.

Cred4All · ‎12-25-2019

Congrats on the increase!

Peazmom · ‎12-25-2019

Congrats on that Navy SP LUV!

Starting FICO 8 December 2017

FICO 8 as of 6/7/20

Sock Drawer:

CreditCuriosity · ‎12-25-2019

80k is max exposure.. You will be getting a call from NFCU in next several days and probably a email from them as well asking for you to call them if you dont answer. Back in day when i was put over 80k by their system they called me a few days later to let me know i was over their max unsecured CC limit and made me make a choice what to change and from what card, etc.. For whatever reason they have yet to fix their computers to take this into consideration.

edit also maxexpsoure of 80k is just with CC's, that doesnt include CLOC of 15k. So if you figured that into it you are under their max.

regardless congrats on your increase!!