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NFCU EXPOSURE

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Valued Member

NFCU EXPOSURE

anyone know max exposure with NFCU  is ,    I have Navcheck for  7k  , cash rewards for 8k  , and Nrewards for $4900 ,   Navcheck is maxed out as i just recently paid the property taxes on my home, cash rewards i am at 50% util , Nrewards i am at 60% utilization on.  i plan on asking for increase soon after i see anual review but was checking first, and considering how much to ask for on either one or all , withot issues .        i have verifiable 95k year income 

NFCU N-REWARDS $4900 , BOFA $500 , DISCOVER $500 , CAPTIAL ONE PLATNIUM $550 , FIRST PREMIER $500 , CREDIT ONE BANK $450 , AMERICAN EXPRESS BCE $5000 , CABELA'S VISA $1500 , USAA $2000, AMAZON $1000 , SAMS CLUB $700 , LOWES $700 , AND A TON OF COMENITY STORE CARDS..LOL
Message 1 of 8
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Super Contributor

Re: NFCU EXPOSURE

$100k for cards (up to 3) and $15k LOC so $115 total.
i am on mobile so i don't see your desktop signatures
Message 2 of 8
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Contributor

Re: NFCU EXPOSURE

Before you put large purchase(s) on any card... always ask for an increase...

 

NFCU Navcheck ... could have gotten that up to 15K

Message 3 of 8
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Super Contributor

Re: NFCU EXPOSURE

providing they qualified, yes. some don't know to ask for the full $15k and some aren't eligible for it
i am on mobile so i don't see your desktop signatures
Message 4 of 8
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Valued Member

Re: NFCU EXPOSURE

Ok at 1 am i seen NFCU did their 2 month review,   so i requested increase on my Nrewards 12,000 and instantly approved  , tried on my cash rewards  and said submitted for review...   so i guess i should wait to ask for increase on the NAVCHECK.   either way still satisfied

NFCU N-REWARDS $4900 , BOFA $500 , DISCOVER $500 , CAPTIAL ONE PLATNIUM $550 , FIRST PREMIER $500 , CREDIT ONE BANK $450 , AMERICAN EXPRESS BCE $5000 , CABELA'S VISA $1500 , USAA $2000, AMAZON $1000 , SAMS CLUB $700 , LOWES $700 , AND A TON OF COMENITY STORE CARDS..LOL
Message 5 of 8
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Community Leader
Super Contributor

Re: NFCU EXPOSURE


@eadacorp84 wrote:

Ok at 1 am i seen NFCU did their 2 month review,   so i requested increase on my Nrewards 12,000 and instantly approved  , tried on my cash rewards  and said submitted for review...   so i guess i should wait to ask for increase on the NAVCHECK.   either way still satisfied


You requested $12k, and got it instantly? You ALWAYS ask for $25k on the CC's, they will either counter back to you what they can give you, or it will go to review. Now, since you didnt ask for the full $25l, and only asked for $12k and got it, you dont know if that was your counter or if you still have more on the table.  

 

So, now if you go back on the same card and request again, its a 50/50 chance that youll get your counter, or go to MR. Always always for $25k!!!

 

and on the Navcheck, always ask for full amount which is $15k...no exceptions, they will counter! 

 

Congrats on the CLI


My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 6 of 8
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Valued Contributor

Re: NFCU EXPOSURE

195K nfcu.jpg

AAoA = 4.1 years|Oldest Account = 14 years|Inquiries = 1-EX, 2-EQ, 1-TU. I have the credit patience of a Buddha and Yoda love child, but the credit anger of The Hulk if I get a starting credit limit under $10,000!

$80,000 Merrill Lynch Visa+|$41,000 AMEX Blue Cash|$35,900 Cap1 QS|$35,000 Lowes|$25,000 NFCU CashRewards|$25,000 NFCU Flagship|$25,000 RBFCU Premium MC|$25,000 Walmart MC|$20,500 PenFed Platinum|$10,000 PenFed Promise|$9,000 Blispay Visa|$15,000 NFCU PLOC|$10,000 RBFCU PLOC|$10,000 PenFed PLOC|PayPal Credit $8,800
Message 7 of 8
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Valued Contributor

Re: NFCU EXPOSURE

Surely a learning experience. A few key points made that I wasn't truly aware of. The 2 month review thing, I need to look up.
                               

Total Credit: $240,100Credit Utilization: 1%AAoA: 5 years, 7 monthsInstallments: Car Lease, Marcus LoanNegatives: 0

LOWES-35k | BOA-32.5k | AMEX-30k | DISC-27.1k | ALLIANT-25k | NFCU-25k | BARC-15k | BBUY-12k | CHASE-10k | WAL-10k | CITI-9.7k | PENFED-9.7k


Message 8 of 8
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