NFCU Account Credit Line Combo SUCCESS!

Anonymous · ‎10-10-2018

Hey everyone!

Back with another NFCU thread, I was able to transfer a partial CL amount of my newly approved NFCU card to my existing one. It's possible! Just ask via Secure Messaging.

UpperNwGuy · ‎10-10-2018

I am confused. What are you saying? That you had one NFCU card already, then you applied for a second card, then you called NFCU and asked them to add the credit limit from the second card to the first card? Wouldn't it have been easier to have asked to a credit limit increase to the first card without going to the trouble of opening and closing a second card?

Daily Carry: PenFed Power Cash • NFCU Flagship • NFCU More Rewards • Chase Freedom
Sock Drawer: PenFed Promise • NFCU cashRewards • Chase Sapphire Preferred • Chase Freedom Unlimited • United Explorer • UNFCU Azure

Anonymous · ‎10-11-2018

Hey, sorry about that, let me clarify. I've opened my first card 3 months ago and at 90/3, I request a cli on it but it was denied. However, I was approved for 15K on a new CC, I then transferred 5K from the new card into the existing one. I did not close the new one however, just transferred the limit. The reason was because I wanted to see if they will actually allow CL transfers.

AverageJoesCredit · ‎10-11-2018

They do now but remember you wont be elible for a cli for 6 months now. Congrats by the way. Navy is awesome

JustBPatient · ‎10-11-2018

Well done!

Amex Gold =Amex ED 20k = Amex BCP 14k = Amex SPG Lux 2k = Arrival 2k = Ring 14k = BOA 321 30k = BOA BBR 10k = CSR 25k = Freedom 10k = Citi Simplicity 9k = Citi DC 5k = Citi DP 3k = DCVR IT 16k = DCVR IT(2) 10k = CAP1 QS 15k = NFCU CR24k/AE25k/CLOC 15k = BBVA 14k = Wells Plat. 5k = (2) US Bank Cash+ 13k, 18k = PenFed 17k

FICO scores TU 764 EX 739 EQ 745

rbentley · ‎10-11-2018

What were the two cards involved in this swap? I seem to remember someone saying that you couldnt combine Their Navy AmEx with another card. Not sure if that is true or if I even remembered it right. Can anyone provide any auhtority on Navy's policies on combining limits between different card?

19eighty5 · ‎10-11-2018

Nice!

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

Anonymous · ‎10-11-2018

@AverageJoesCredit wrote:
They do now but remember you wont be elible for a cli for 6 months now ...

To clarify: not eligible for a CLI on either card for 6 months? if so, how does this scenario differ from if OP had just taken his new 15K and left his original card as is?

AverageJoesCredit · ‎10-11-2018

@rbentley wrote:
What were the two cards involved in this swap? I seem to remember someone saying that you couldnt combine Their Navy AmEx with another card. Not sure if that is true or if I even remembered it right. Can anyone provide any auhtority on Navy's policies on combining limits between different card?

It is not the norm and actually isnt really what they are supposed to do but they do make exceptions on a case by case basis. Stay tuned for some personal news and ill add some info

Anonymous · ‎10-11-2018

@AverageJoesCredit wrote:
@rbentley wrote:
What were the two cards involved in this swap? I seem to remember someone saying that you couldnt combine Their Navy AmEx with another card. Not sure if that is true or if I even remembered it right. Can anyone provide any auhtority on Navy's policies on combining limits between different card?
It is not the norm and actually isnt really what they are supposed to do but they do make exceptions on a case by case basis. Stay tuned for some personal news and ill add some info

Wow, still holding off on the news from this morning! I still say 20x CLI on your Platinum card! lol