What are the max limits for Navy Federal (NFCU) Credit cards ?

[abraham29]

Hello 

I have 2 cards, gorewards limit $22k and nrewards limit $5k . What are the max limits these cards can be increased to  ? 

Also is the cloc still $15k? 

[Anonymous]

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@abraham29 wrote:

Hello 

I have 2 cards, gorewards limit $22k and nrewards limit $5k . What are the max limits these cards can be increased to  ? 

Also is the cloc still $15k? 

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Every NFCU card's max limit is $50K except the Flagship which can go to $80K

CLOC max is $15K

[DUISlayer]

Not to hijack the thread, but since Irish is so knowledeable about NFCU... I just got the Cash Rewards card. Gonna do a CLI after AR in January. If I were to pursue a second NFCU card, when should I, and which card should I go for? What are the benefits of the Flagship (aside from the higher CL?)

[RootDet]

The flagship is a visa signature card. Otherwise, the reward structure is nothing great.   Having one card with them is sufficient IMO. You can get it to grow. Two cards will just cut your overall limit with Navy in half. Navy also does not do reallocations, so you have to close a card and hope they give most/all of the credit line after a cli. Note every CLI above $25k is a hard.

[DUISlayer]

Ah, makes sense. Alright. Thanks for the info  

[Loquat]

Hi @abraham29 and welcome to the Forum!  I don't know if you've had the chance to take a look at the large ongoing Navy Guide thread over in the Applications sub forum.  If you haven't had the opportunity I would suggest you take a look when you have a few minutes (or hours  ) to spare.  There is a lot of good info over there and it helped me a lot when I was started navigating Navy as a member. 

[Creditaddict]

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@RootDet wrote:

The flagship is a visa signature card. Otherwise, the reward structure is nothing great.   Having one card with them is sufficient IMO. You can get it to grow. Two cards will just cut your overall limit with Navy in half. Navy also does not do reallocations, so you have to close a card and hope they give most/all of the credit line after a cli. Note every CLI above $25k is a hard.

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Many choose multiple cards because of the chance to grow them to $25k with SP and no income verification vs. going to $50k or more is an HP and may require more income verification.

[AverageJoesCredit]

I also thing having 2 cards with Navy is a good thing besides the limits in that you might use one for rewards like CR or one for bts and low apr, the Plat. 2 can cover alot of ground for many. 3 is just being greedy Jk ?

[Anonymous]

Just to clarify, the maximum for any one card is $50k except for Flagship, which is $80k.  But maximum exposure across all your personal credit cards is $80k.

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@Anonymous wrote:

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@abraham29 wrote:

Hello 

I have 2 cards, gorewards limit $22k and nrewards limit $5k . What are the max limits these cards can be increased to  ? 

Also is the cloc still $15k? 

---

Every NFCU card's max limit is $50K except the Flagship which can go to $80K

CLOC max is $15K

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[Creditaddict]

Navy's max unsecured exposure is somewhere around $115 with clic and personal loan and credit cards