NFCU Product change HP?

[Anonymous]

That’s good to know. I just did Pc today and thought about that after... someone had posted (can’t remember who) their prev card was removed and new account added with old history so their report didn’t change

[Anonymous]

I’m starting to LUV NFCU . You can shift credit limits ! 🥰 gtk

[Anonymous]

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@Anonymous wrote:
I’m starting to LUV NFCU . You can shift credit limits ! 🥰 gtk

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Yes if you send a secure message with the topic credit limit increase/decrease they can do it for you. Very quick process. 

[Anonymous]

Just called Navy Federal to have this done. I had a nRewards (secured card that unsecured) and switched it to a GoRewards card for the 3X on dining. I currently have about 60% utilization on it because I haven't paid it for the month. Took about 5 minutes and no hard pull. They really didn't even ask any questions other than if the lower APR was acceptable to me. MUCH easier than my Capital One product change.

[Anonymous]

So you suggest waiting 3-6 months between NFCU applications?? I just got the cashREWARDS and had the secured nRewards 3 months ago the lady on the phone said that I will have no problem graduating the secured account because of my usage on my cards...20k limit and I use about 500 and pay it. I also want to try for the go rewards in a few months...she told me to product change but I heard the limits are higher on new accts