NFCU reallocation

[nccarguy1]

I understand it's been reported by members that NCFU will reallocate credit lines if you state you want a balance transfer.  I had two credit cards with Navy Federal but did not see an offer for balance transfer.  I sent a secure message saying I did not need 2 credit cards and requested to transfer credit limit to Flagship and close other account.  I also requested an APR reduction.  I did not get a reply for 2 days but got response that my request for an APR reduction was approved and that I needed to reply that my allocation was approved and I needed understood my GO rewards would be closed and could not be reversed.  48 hours later Flagship was at $80,000, APR was reduced and GO rewards was removed from my accounts.

it appears that reallocations may not require suggestions that balance transfer is needed.  YMMV

[DatBoiQuick]

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How old were your account, to my knowlege you can only transfer credit limit if the account is older then 2 years or for the purpose of a balance transfer.

[nccarguy1]

Flagship opened 2014.  Go rewards was opened 2019

[sto0pyd]

Did you have to tell them you wanted to do a balance transfer? How did you request it? Was it by sending them a message?

[jcar]

Man.. that's a huge credit limit... $80k!

[nccarguy1]

I sent a secure message.  As I remember it took over 48 hours to respond, thought it meant they declined my request.  I said I wanted to close unused accounts and consolidate credit lines.  I didn't use the balance transfer "trick" because I did not have an offer for one. 

[PullingMeSoftly]

Sweet, nicely managed