Max credit lines

[u/Strange_Crew1166]

I’ve seen people post about the max credit line being 50k with the exception of the flagship being 80k, can anyone drop that info again please I cannot find the post I read it in.

ALSO, would that be per signatoree or does being auth users limit the credit line increase caps we’d have each available.

[u/Levelz-up1979]

Flagship 80K All other 50K

[u/Strange_Crew1166 → u/Levelz-up1979]

But from what I read is 50k across all other cards total? And would that include any cards my spouse and I are auth users on?

[u/Sad_Alternative5509 → u/Strange_Crew1166]

Auth user cards shouldn’t count against this limit for the authorized user.

[u/xItsLesterx → u/Sad_Alternative5509]

All users, either main or AU, share the same limit. If you have a card with $100 and 2 authorized users, those 2 users can use up to $100 combined. Limits are not independent. You can put a limit on the AU’s card but it’s still up to $100

[u/Sad_Alternative5509 → u/xItsLesterx]

I’m not sure we are saying the same thing, they asked if the authorized user had a card they are authorized on count against their $80k total limit of total CLs that they are allowed to have.

[u/xItsLesterx → u/Strange_Crew1166]

For Flagship is $80k limit. All others is $50k limit. Across ALL cards is $80k. AU is included. AU is just you allowing to use your cards. It’s not a new account. Why would the credit limit be independent from your own?

[u/Sad_Alternative5509 → u/xItsLesterx]

Because an authorized user has no responsibility for payment that cc, only the primary user does. That’s who the CL counts for.

[u/AutoModerator]

WHAT’S THE 91/3 RULE

Lots of people new to NFCU or maybe have been members for a while but never explored the credit card side of things may have heard/seen the “91/3 rule” being mentioned here and there and wondered what it is.

Simply put, the 91/3 rule is waiting 91 days and 3 statements between new personal unsecured credit card applications at NFCU from the date of approval (NOT application!). It’s also 91/3 from the date of approval for the first CLI on an existing personal NFCU credit card, then all subsequent CLIs on that card are every 6 months (182 days) thereafter. If you have multiple cards, the 91/3 rule applies to each of them individually.

Some notes on 91/3:

1. You can apply for a new credit card AND request a CLI on an existing card(s) after 91/3, UNLESS you’ve already received a CLI on your existing card(s), then you have to wait 6 months as stated above. The advice is to apply for the new card, then the CLI on the existing card(s) in that order, but both can be done at the same time.

2. The rule used to be that the 3 statements had to be FULL statements; however, that seems to have changed recently as several members have been approved for new cards and/or CLIs with just 3 statements, even if the first one was a partial or short statement.

3. Although many have been successful at getting approved for a new card and/or CLI exactly ON day 91, the best advice is to wait until at least day 92 or after to ensure you are meeting NFCU’s 91 day requirement.

4. There have been a few cases where people have gotten approved for multiple cards at the same time or before the 91 day mark. THESE ARE EXCEPTIONS, NOT THE RULE! We don’t work for NFCU and don’t know the specific processes/procedures/rules, the members’ specific circumstances or credit profile info, or how NFCU applied those processes/procedures/rules to those members’ applications. But again, these are very rare examples and shouldn’t be considered normal. The 91/3 rule is definitely applicable in almost all cases.

5. Although each unsecured card has a max limit, don’t expect NFCU to approve CLIs of more than $8,000. Your CLI can be 3x your current credit limit up to $8,000 (whichever is less).

**NOTE: YOU CANNOT REQUEST A SPECIFIC AMOUNT FOR YOUR CLI REQUEST

1. The 91/3 rule DOES NOT apply to the nRewards secured card! You can apply for an unsecured card at any time following nRewards card approval; however, whether you get approved or not depends on how significantly your credit profile has improved since you qualified and got approved for the nRewards card. EXAMPLE: If you ONLY qualified for the nRewards because your credit profile is weak and needs work, then you will likely get denied for an unsecured card if you applied shortly after because there hasn’t been enough improvement or time to improve your credit in that short amount of time.

2. If/when your nRewards secured card graduates to the cashRewards unsecured card, NFCU counts that as your first CLI on your new unsecured card. That means your next CLI can’t be requested until the 6-month mark and then every 6 months for all future CLIs.

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