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NFCU MAX CC Limits

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NFCU MAX CC Limits

Hi Everyone,

Ive been a member of NFCU since 2010, perfect standing I have scores that are750+

I started off with a secured card with them that hadnt ever graduated I got the Amex card with them and just last month got the cash rewards, My question is am I only allowed to have 3 cards with them? I make 175K a year my dti is about 15%.

I keep seeing that 3 cards is the max. Im wanting to try for Flagship.

Current Scores: TU:812 EX:747 EQ:739
NFCU-REWARD $25K |RBFCU-CASH $20K | SSFCU- CASH REWARDS $1K | BARCLAYS-APPLE $14K| CITI $10K| TARGET $500|
Message 1 of 8
7 REPLIES 7
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Community Leader
Mega Contributor

Re: NFCU MAX CC Limits

Yes, 3 cards are the max M8Smiley Happy. With income, scores and dti like yours, please enjoy all that Navy offersSmiley Happy
Message 2 of 8
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Re: NFCU MAX CC Limits

Thanks for the reply! Ok So I would need to close a card before applying. Yes they’ve been really good to me since establishing credit.

Awesome So is there a time frame between applying for new cards I’ve been seeing a 91/30 rule for NFCU.
Current Scores: TU:812 EX:747 EQ:739
NFCU-REWARD $25K |RBFCU-CASH $20K | SSFCU- CASH REWARDS $1K | BARCLAYS-APPLE $14K| CITI $10K| TARGET $500|
Message 3 of 8
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Valued Contributor

Re: NFCU MAX CC Limits

I think you can combine two cards and then apply for another.

 

I also think you can product change an existing card into a flagship.

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $400k unsecured credit in 2020.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

5% Rotating - Discover                         5%-20% - Amazon & Lowes                   3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl            4% Dining & Entertain - Savor               3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything - Flagship & Syncrony






Message 4 of 8
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Re: NFCU MAX CC Limits

Thanks! That sounds much better I’d hate to have a aaoa hit because of closing a card. 😬
Current Scores: TU:812 EX:747 EQ:739
NFCU-REWARD $25K |RBFCU-CASH $20K | SSFCU- CASH REWARDS $1K | BARCLAYS-APPLE $14K| CITI $10K| TARGET $500|
Message 5 of 8
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Community Leader
Super Contributor

Re: NFCU MAX CC Limits


@PeonyVibes93 wrote:
Thanks! That sounds much better I’d hate to have a aaoa hit because of closing a card. 😬

Hi and welcome

 

There is no AAOA hit because you closed a card. Once it's closed, it stays on your credit for a minimum of 10 years.


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 6 of 8
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Community Leader
Mega Contributor

Re: NFCU MAX CC Limits

Were you to transfer your limit from one card to another, Navy would close the donor card. Pcing doesnt close the card just changes it to the card you select.
Message 7 of 8
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Established Contributor

Re: NFCU MAX CC Limits

If you PC to the Flagship I don’t think you can get the sign up bonus. If you want the bonus combine 2 cards and then apply for the Flagship. I’m not sure if there is a waiting period after you combine before you can get a new card.
Current Cards (in order they were approved with current limits):
Cap1 QS (plat.) $2750
Kohls $3K
Cap1 Savor $5K
PenFed Power Cash Rewards $2K
NFCU CashRewards $10K
NFCU MoreRewards $16.5K
Cap1 Venture $30K
PenFed Gold $2K
Ollo Rewards $3.2K
Sync Amazon $10K
NASA FCU Platinum Cash Rewards $3K
Disco It #2 $14.8K
DCU Visa $10K
NFCU Flagship Rewards $27.5K
Sync Care Credit $15K
PenFed Power Cash Rewards #2 $39K
WF Propel $5K
Comenity AKC $10.5K
Apple (GS) $6.5K
TD Cash Credit Card $6K
Rakuten Siggy Visa $6.5K
BBVA ClearPoints Visa $10K
Disco It #3 $8K
AOD Signature Visa $15K
PayPal MC $5K
PenFed Platinum Rewards Visa Siggy $7K

BK 7 discharged July 2016




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