cancel
Showing results for 
Search instead for 
Did you mean: 

I am above NFCU's 80k max secured limit? I didn't think they allowed that.

Get your FICO Score for free

No credit card required

KillingThemGingerly
Valued Member

I am above NFCU's 80k max secured limit? I didn't think they allowed that.

I have read on this forum numerous times that Navy Federal has a maximum unsecured credit limit over all personal cards of 80k. However, tonight I apped for the Flagship Rewards and was approved for 30k. Shortly after approval I requsted a CLI on my More Rewards from $20,100 to $25,000 which was immediatelty approved. Those on top of my GoRewards with a 28k limit put me at $83,000 total. 

 

Do you think NFCU has bumped up their maximum unsecured limit over all cards? Or do you think I "tricked" the system by applying for a CLI so soon after my approval for the Flagship that they will eventually try to correct their mistake? I seldom touch my GoRewards so if they wanted to lower that limit it would not break my heart. Thoughts? Has anyone heard of this happening before?

 

(Data Points: 810 Transunion Score, deep and longstanding relationship w/ Navy that includes 15+ years, flagship checking, savings, car loan (almost paid off), and a certificate maturing August 2023. Income 98k)

Message 1 of 24
23 REPLIES 23
Aim_High
Senior Contributor

Re: I am above NFCU's 80k max secured limit? I didn't think they allowed that.

Yes it has been reported before, @KillingThemGingerly. Unfortunately you probably won't be able to keep it. When they review the increases, they will most likely manually adjust you back to $80K by modifying limits. Sorry! Smiley Frustrated



Length of Credit > 39 years; Total Credit Limits > $700K
AoOA > 29 years (Jun 1993); AoYA (Oct 2022)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 2 of 24
OmarGB9
Community Leader
Super Contributor

Re: I am above NFCU's 80k max secured limit? I didn't think they allowed that.

I believe there's a DP of someone here momentarily going over the $80k cap, but Navy realized it and lowered their limit back down to stay within the cap. So, I expect one of your cards to get CLD'd back down.


Last App: 9/22/2022
American Express Platinum Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 3 of 24
KillingThemGingerly
Valued Member

Re: I am above NFCU's 80k max secured limit? I didn't think they allowed that.


@OmarGB9 wrote:

I believe there's a DP of someone here momentarily going over the $80k cap, but Navy realized it and lowered their limit back down to stay within the cap. So, I expect one of your cards to get CLD'd back down.


How do they decide which card to CLD I wonder?

Message 4 of 24
KillingThemGingerly
Valued Member

Re: I am above NFCU's 80k max secured limit? I didn't think they allowed that.


@OmarGB9 wrote:

I believe there's a DP of someone here momentarily going over the $80k cap, but Navy realized it and lowered their limit back down to stay within the cap. So, I expect one of your cards to get CLD'd back down.


Did they say how NFCU decided which card to do a CLD to?

Message 5 of 24
OmarGB9
Community Leader
Super Contributor

Re: I am above NFCU's 80k max secured limit? I didn't think they allowed that.


@KillingThemGingerly wrote:

@OmarGB9 wrote:

I believe there's a DP of someone here momentarily going over the $80k cap, but Navy realized it and lowered their limit back down to stay within the cap. So, I expect one of your cards to get CLD'd back down.


Did they say how NFCU decided which card to do a CLD to?


I'm trying to search for the thread, but I can't seem to find it. 😕


Last App: 9/22/2022
American Express Platinum Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 6 of 24
Aim_High
Senior Contributor

Re: I am above NFCU's 80k max secured limit? I didn't think they allowed that.

I think there was more than one thread @KillingThemGingerly  and @OmarGB9

 

>Here<  is one of them. 

 

@KillingThemGingerly , I would suggest calling NFCU and tell them how you want to divide your limits before they make changes. 



Length of Credit > 39 years; Total Credit Limits > $700K
AoOA > 29 years (Jun 1993); AoYA (Oct 2022)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 7 of 24
OmarGB9
Community Leader
Super Contributor

Re: I am above NFCU's 80k max secured limit? I didn't think they allowed that.


@KillingThemGingerly wrote:

@OmarGB9 wrote:

I believe there's a DP of someone here momentarily going over the $80k cap, but Navy realized it and lowered their limit back down to stay within the cap. So, I expect one of your cards to get CLD'd back down.


How do they decide which card to CLD I wonder?


I may have found it. Based on this thread, you can probably expect a call from Navy asking you how you want to proceed to get you back under the 80k cap.


Last App: 9/22/2022
American Express Platinum Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 8 of 24
OmarGB9
Community Leader
Super Contributor

Re: I am above NFCU's 80k max secured limit? I didn't think they allowed that.


@Aim_High wrote:

I think there was more than one thread @KillingThemGingerly  and @OmarGB9

 

>Here<  is one of them. 

 

@KillingThemGingerly , I would suggest calling NFCU and tell them how you want to divide your limits before they make changes. 


Yes, that's the one! That's the one I was looking for. Thanks @Aim_High.


Last App: 9/22/2022
American Express Platinum Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 9 of 24
KillingThemGingerly
Valued Member

Re: I am above NFCU's 80k max secured limit? I didn't think they allowed that.


@Aim_High wrote:

I think there was more than one thread @KillingThemGingerly  and @OmarGB9

 

>Here<  is one of them. 

 

@KillingThemGingerly , I would suggest calling NFCU and tell them how you want to divide your limits before they make changes. 


Thanks for this! I'll just wait for their call. Again out of the cards I have from them the GoRewards is the one I'd go with reducing but I'll just wait and see considering today is thanksgiving. I am surprised they don't have some internal fail safe to prevent this from happening to begin with. 

Message 10 of 24
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.