NFCU max unsecured limit

[swpopham]

I guess the wife and I hit it at 120k 

15k loc mine 

15k loc hers

42k cash rewards hers

48k cash rewards mine. 

Put in for 50k on the wifes the cash rewards and was approved from 25k to 42k and recived a letter saying the full amount wasnt approved becasue we are at the maximum unsecured limit.

Just wanted to post this and see where everyone else is at or if this is the standard limit. 

[FinStar]

IIRC, @CreditCuriosity experienced some similar circumstances on the max unsecured exposure with NFCU. My memory is a bit foggy, but he can definitely chime in.

[CreditCuriosity]

Max unsecured cc is 80k per member now. Not sure about max unsecured credit. Assume that is 80k for cc and 15k for cloc for personal side of nfcu business. I can speak of cc max unsecured though as computer glitch put me above their max and had to reduce a bit while on with an uw from them

[Anonymous]

There is hope for me yet....2 weeks ago $2000 was the max unsecured limit they could offer me....  One day i will reach your number.

[Anonymous]

Those are some nice numbers from NFCU!  Thanks for sharing your dp's!  

[Credit-hoarder]

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@CreditCuriosity wrote:

Max unsecured cc is 80k per member now. Not sure about max unsecured credit. Assume that is 80k for cc and 15k for cloc for personal side of nfcu business. I can speak of cc max unsecured though as computer glitch put me above their max and had to reduce a bit while on with an uw from them

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I wouldn't mind having a $35k or greater CL on my Cash Rewards. At what point do they ask for POI?

[CreditCuriosity]

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@Credit-hoarder wrote:

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@CreditCuriosity wrote:

Max unsecured cc is 80k per member now. Not sure about max unsecured credit. Assume that is 80k for cc and 15k for cloc for personal side of nfcu business. I can speak of cc max unsecured though as computer glitch put me above their max and had to reduce a bit while on with an uw from them

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I wouldn't mind having a $35k or greater CL on my Cash Rewards. At what point do they ask for POI?

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They have never asked for POI from me... My Platinum is 50k and Flagship is 30k.  Reallocations happened to make those limits from other cards, etc.

[swpopham]

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@Credit-hoarder wrote:

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@CreditCuriosity wrote:

Max unsecured cc is 80k per member now. Not sure about max unsecured credit. Assume that is 80k for cc and 15k for cloc for personal side of nfcu business. I can speak of cc max unsecured though as computer glitch put me above their max and had to reduce a bit while on with an uw from them

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I wouldn't mind having a $35k or greater CL on my Cash Rewards. At what point do they ask for POI?

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Never have but we did do a mortage with them in 2014 and had to provide everything for that process. My direct deposit hits on each friday so they know what I make.

[swpopham]

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@CreditCuriosity wrote:

Max unsecured cc is 80k per member now. Not sure about max unsecured credit. Assume that is 80k for cc and 15k for cloc for personal side of nfcu business. I can speak of cc max unsecured though as computer glitch put me above their max and had to reduce a bit while on with an uw from them

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I was trying to buy a steel building and borrow the money withthem and the loan officer, told me they could do 50k indivudual or 150k if both the wife and I was on it as a signature loan.

Our problem with NFCU is we are joint on everything with each other from back in 2012 when I was rebuilding and the wife had perfect credit. So without closing out our 2 CCs and opening new ones we dont have a choice, we dont need anymore credit, I just enjoy playing the game.