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

[KillingThemGingerly]

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)

[Aim_High]

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! 

[OmarGB9]

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.

[KillingThemGingerly]

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@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.

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How do they decide which card to CLD I wonder?

[KillingThemGingerly]

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@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.

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

[OmarGB9]

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@KillingThemGingerly wrote:

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@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.

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

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

[Aim_High]

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. 

[OmarGB9]

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@KillingThemGingerly wrote:

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@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.

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How do they decide which card to CLD I wonder?

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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.

[OmarGB9]

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@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. 

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

[KillingThemGingerly]

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@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. 

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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.