NFCU, help!

[Anonymous]

So I was just approved for my first NFCU card shortly after joining the credit union. I was approved for the More Rewards Amex but for only a $900 credit limit. In order to hit the sign up bonus I usually pay my rent with credit cards which is $1,700 per transaction. Is there any way Navy would let me put that through even if I have that amount available in my NFCU checking? Or do I just have to wait the 3 months for a credit limit increase?

[creditfan]

ACH push from other checking $800 or more to avoid being max, then pay your bill

[Emierja99]

In my humble opinion, I wouldn't do anything to set off any alarms with Navy (ie. try to go over my spend limit to qualify for SUB). I believe you should wait for about 6 months and try for CLI. Although 91/3 has been successful in the past, it has been more unsuccessful lately. Especially given the spending limit that was issued. I would try to transfer all spend to the new card to try and make SUB, if possible. 

[vision_20]

I would not suggest it. NFCU will look at your habits with your current accounts when they review them for CLI or additional accounts. I would recommend putting your monthly expenses on your card like utility bills, gas, food etc then paying it off instead of trying to pay your rent on it.

[CreditInspired]

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@Anonymous wrote:
So I was just approved for my first NFCU card shortly after joining the credit union. I was approved for the More Rewards Amex but for only a $900 credit limit. In order to hit the sign up bonus I usually pay my rent with credit cards which is $1,700 per transaction. Is there any way Navy would let me put that through even if I have that amount available in my NFCU checking? Or do I just have to wait the 3 months for a credit limit increase?

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Send them a SM asking for a higher limit. Let them know how happy you are with the approval and being in the NFCU family, and that you want to be able to meet the sub in 3 months. All they can do is say no. But suppose they say yes. 

On another note. What is the fee for putting $1,700 on your CC? Is it worth it? Also, even if NFCU gave you another lets say $1K, you will have an extremely high UT, or would you just turn around in PIF. 

[happyelle]

First see if your leasing office would allow you to split the payment.

Next, pay $900, then log in and transfer $900 from your checking to the card. It'll be avalible immediately.

Then 2 mins later have them run the remaining balance of $800.

Last, wait until both payments clear then pay off the card with the remaining rent money ($800 that's still in your checking account) in a few days.

Works like a charm! That's how I hit my SUB in the first month, by the way. Just had my 2nd statement print. Opened the card 11/07/2019.

[Brian_Earl_Spilner]

You could ask them for a temporary increase and promise to PIF immediately