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Issuer : National Police Federal Credit Union  (NPFCU) Card : Copper Card / Visa / Non Category-3% Credit Pull : Trans Union, Unknown Credit Limit: $25,000 APR : 14.25%, Cash Advance, Purchase, BT's with Zero Fee * Not the CU's low APR card * ----------------------------------------------------------------- Current Scores (TU),  Fico8-810,  VS3-833,  VS4-820 Reported Income $175,000 Newest card & Inq = 4 months (Navy Flagship) / TU-INQ 2nd newest card = 1.5 years (USB Smartly) AAoA = ~10 years AoOA = ~30 years AoYA = ~4.5 months Open & closed on credit reports = 18 cards Current open = 8 Average CL = $24,000 Total CL = $192,000 No lates, No baddies Utilization < 1%, AZE2 ($19/20k & $5/20k) -----------------------------------------------------------------   This CU is not like some where only an "Association Membership" is required. It requires proof of  "Association Membership" and  being a "First Responder  or Civilian Employee of an Approved Agency".   Application longer and more complex than most. Numerous documents needed.

I took out a HEL this summer for a roofing project.  When I let the contractor know that I had the financing in place he told me that he would get to me in October/November.  Too short a time to do a 3 month CD and I had had a hard time transferring money out of my local bank because of ACH limits last December so I decided to just change to Flagship checking and at least get .45% on the money.  There was a chance he would show up early, so the money would be available.   This morning I texted him and he told me that he's scheduled for hip replacement surgery in December, if not earlier since he is having a hard time of it.  He says he should be back to work after February.   I welcomed him to the healing bench since I am already resident there.   So this leaves me with the same question that has bothered me since July:  Where to stash this money where I will at least reduce the cost of it sitting around.     I chatted with NFCU CS about it but she couldn't tell me the daily/weekly/monthly limits for ACH.  She didn't answer the question and she kept talking about wire transfers as if they were ACH.  But she did repeat a couple times that Fidelity could pull the money subject to their limits.  I finished the chat feeling like I had just had a different conversation than my chat partner had.   So I thought about it.  I have normally only ever pushed ACH because it make sense to me.  The only time I have pulled is recently since I have been making my weekly HSA contribution since I am not getting a paycheck until I recover from my injury.  I can't find an account number for my HSA and they did away with checks so I have no easy reference to set up a push ACH to it.  It has been taking a week for the transfers to happen.  If I was mobile I would simply drive to a branch and hand them cash.  In any case, I have NFCU setup in Fidelity and I sent a $100 test transaction a few weeks ago which went right through.  So I initiated a pull ACH for $40,000 from NFCU to Fidelity.     Now I am waiting for the emails advising me that my NFCU accounts are frozen and I have to call their fraud dept.  The ACH transfers from my local bank in December were blocked and I had to call and explain myself to their security to get them through, which is fair enough in this age of scams and fraud.    Those of you who transfer biggish money on the regular please tell me what I can expect here.  Is the money going to transfer in about a week or am I about to have conversations with a bunch of people who work in fraud departments?   How should I have transferred the money?  I knew Fidelity has large push limits and I assume they can pull large, too.  The website took the transfer request and I got an email promising me that they are working on it so I assume they are good with the amount.  Would it have been simpler to just write a check and mail it in?  Let me know your thoughts. Thanks.   Edit to add:  Just as I clicked 'Post' I got an email from Fidelity telling me "EFT Received".  Under cash management at Fidelity it shows as pending.  So there is that.

I’m curious whether anyone has experienced repeated soft-pull preapproval checks with the same issuer or card platform affecting the actual terms of a later approval.   I’m specifically wondering about two things:   1. A higher APR than you otherwise might have received 2. A lower starting credit limit   I’m NOT talking about recent hard inquiries, newly opened accounts, or a bunch of hard-pull applications. I’m specifically asking about repeated soft-pull prequalification/preapproval attempts that the issuer can track internally.   Imprint is what prompted my question, since they appear to track application/preapproval activity across their different card programs and can sometimes decline for too much recent activity. I’d be especially interested in Rakuten/Imprint data points, but experiences with Amex, Capital One, Apple Card, Discover, Wells Fargo, Citi, etc. would also be helpful.   My bigger concern is APR rather than starting credit limit. A low starting limit can potentially be increased over time, while with Imprint my understanding is that once you accept the card, they do not later lower the individual APR margin. So the APR offered at approval matters more to me.   If you’ve experienced this, it would be especially helpful if you could include: - Issuer/card - How many soft-pull preapprovals you had checked - Roughly how far apart they were - Any earlier APR/limit offers you received - How long you waited before applying again - The APR and starting limit on the eventual approval - Whether the issuer actually told you the prior velocity affected the terms, or whether that was your own assumption   I realize it may be impossible to prove causation unless the issuer specifically confirms it. I’m mainly trying to see whether there are any convincing real-world data points where soft-pull preapproval velocity appeared to affect pricing or starting limits after the applicant was eventually approved.

I'm not totally sure I am reading this correctly so please feel free to correct me but, per the below email, it looks like nusenda is offering 5% CB (or 3x Bonus points?  Whatever that means? - maybe the difference between Platinum Rewards and Platinum Cash Rewards?) on on-line spend.     Not entirely sure what "this week"means?   As a reminder, the regular Q4 5% cats are an astounding, overly-impressive:   Q4 quarterly rewards categories - Available October 1 through December 31, 2026 Merchant Category Eating Places, Restaurants Fast Food Restaurants Grocery Stores, Supermarkets Home Supply Warehouse Stores Discount Stores Department Stores Wholesale Clubs Miscellaneous and Specialty Retail Stores Drug Stores, Pharmacies Sporting Goods Stores Equipment, Furniture and Home Furnishings Stores (except Appliances) Electronic Sales Book Stores Miscellaneous General Merchandise Stores Gas Amazon       E-Mail:   More rewards with every purchase! Click, shop, and earn with Nusenda Rewards.     This week will be full of online deals, making it a perfect time to shop smart and earn more. Use your Nusenda Visa® Platinum Rewards or Visa® Platinum Cash Rewards on your favorite finds and get more out of every purchase. Earn up to 3x bonus points or up to 5% cash back on all your online purchases. Plus, your card balances automatically qualify you for cash back through our Earn Your Return® program, so you can keep earning even after you check out.     Review Card Benefits

I got an email today from CK asking me to verify that II had 15 open accounts carrying a balance.  After checking, most of these balances were < $100.  I do this from time to time to keep sock draw cards active.  I decided to check on my FICO scores to see what type a hit this caused.   EX Fico8 = 850 EQ Fico8 = 848  (I lost the 2  points due to a recent unexpected HP) TU Fico8 = unknown   Total open accounts 30+ Total revolving util 2%   Figures, now that Im not micro managing my scores anymore, I find out that for some reason. FICO luvs my file

Not much to say here, Citi kept pestering me to update income to give a CLI to $7,500.  I finally bothered to and they gave exactly that.  I have put a decent amount on this card ($1K a month and a high balance of $2.6K) but still not really enough to justify a CLI.  Why is this not exciting?  I don't plan on keeping this card next year and transferring limits between Citi cards is a bit of a pain, so this is not the one I wanted more credit on, plus everything is about business credit now.  It's kind of like when a woman wants your attention, but you're just not that into her.

Not much to write home about.  Capital One sent me a BT offer so I felt like seeing if I could increase the Savor's capacity to receive from my business cards.  I asked for $20K and they only gave me $1K, so I won't be bothering with that avenue, lol.   I don't know what they SPed, but with FICO 8s all from 776-795 currently and 1% util on a mature clean thick profile, conventional issues are unlikely.  I probably just don't use the card nearly enough. The second CLI was on my US Bank Cash+, which has been stuck at a measly $2K for ages.  They gave me $2K more on that to make it a $4K card.  Most people would probably be disappointed here, too - but I'm kind of happy given that I have $9K riding on a 0% intro APR on my Triple Cash and am thus not really CLI material with them right now.  I also don't really use this card enough for a CLI.

I'm in the process of rebuilding my credit and was surprised to see that Coinbase offers a metal secured credit card on the AMEX network.  I didn't want to over extend myself in credit so I started with the minimum limit allowed ($100).  Once I was approved the card was immediately available for use with Apple Wallet.  I will use this card for miscellaneous spending and my catch all 2% in Bitcoin back since my credit isn't sufficient for standard 2% Cashback cards.  They pull Experian. Soft Pull approval too!!!  I'm happy!            

Hi everyone, Apologies if I am posting in the wrong place or if this has already been thoroughly covered, this is my first post in the forums here and I did my best to research the web as well as the forums here for related posts.   I enrolled in Chase's hardship program for my Sapphire Preferred, as I had stopped working and dug myself into some CC debt. Fast forward to now and I got a new job (yay), just recently paid it off, and was hoping to get some data points for others who were hoping/successfully got another Chase card after being in their hardship program. I paid them in full, no late payments, no collections, etc. just the program were they reduce your APR and close your card (they also closed my CFU when this happened).   I don't think I'm in Chase jail, but I was hoping to score another one of their cards within the next year for some upcoming travel that I'm doing. My credit is otherwise solid, the only things counting against me are my auto loan and student loans. Has anyone else has success with them again after being in the hardship program? Thank you

Man they suck. I have $700 of stuff in my Amazon cart and not a single item went on sale for Prime Day. I was hoping for a discount or some additional cashback for using my Amazon Prime store card, but nothing!  Anyone manage to score anything decent?     

I'm concerned that something is wrong with myFICO's TransUnion monitoring feed.   myFICO hasn't reported anything from TU-no alerts or score changes-since mid-September. Since then, I've paid down credit card balances significantly. I pulled my TU report from their website and it shows all the payments I've made. But there's no indication of that on myFICO.   Does anyone know what's going on? There are reports of serious disruptions to myFICO's TransUnion monitoring feed, caused by problems late last month. But those problems should have been resolved by now...

synchrony got me.    PayPal credit account I have not used in 2 years and dropped me from 9k to 1.5k   My utilisation for this year has been 1-3% and I PIF each month so this is very likely just due to lack of use.   Has little effect on me luckily but I've also had Chase automatically giving my CLI and two new CC (Amazon and Amex) over the last 7 months with 45k in additional CL.     I don't know how you guys with 10 plus cards manage all of them.      I need to add one more CC to my pile that will get organic use as I prefers cards with points/rewards.    I'll throw some spend on the PayPal card as it's over 6 years old and don't want to lose the Aging benefit and have them  close it.

About 12:30 AM yesterday morning I hit the luv button on my MoreRewards card (Day 183 since my last CLI). Because it was Sunday, it went pending. A few hours ago when I checked my email there was nothing from them. I just checked my card in the app and they gave me another $8,000, taking that card to $20,500 and raising my TCL to $106, 750 on stated income of $22,000 in about 5 and a half years from no credit (or credit score) at all.

AmEx offer of $70 statement credit after $200 spend just posted to my account.  I literally just stayed on Saturday and the credit is already in my account.  I also got notified that the $50 Surpass quarterly credit is on its way from that same stay.  This is why people love AmEx.

Curious if anyone has experience with this. If you add an AU who previously burned the same issuer (Amex, Chase, Citi, etc.) through a charge-off, settlement, BK, etc., could that affect the primary cardholder at all? Could it trigger a review, affect future CLIs/overall exposure, or potentially put the primary account at risk? Or would the worst-case scenario simply be that the issuer refuses to add the AU? I know the AU isn't financially responsible for the primary account. I'm more curious whether issuers connect the AU to their previous negative history internally and whether that could have any effect on an otherwise good primary cardholder. Any firsthand DPs, especially with Amex, Chase, or Citi?

According to Blue Cross Blue Shield, hospitals used AI to drive up medical bills by $1 billion.   To get past the paywall, use the Firefox reader mode or a text browser, or disable Javascript for the site.   I think there's a word for "upcoding" patients to appear sicker to get more money from insurance, and then not treating that condition, and it's called fraud.   The government settled with Medicare Advantage plans that were bilking Medicare the exact same way.

Does anyone miss the old 5.25% cashback on the BoA Customized Cash Rewards card from the old BoA Preferred Rewards program, that is now 4.5% under the new Preferred Rewards program?   I now qualify for and am earning the tier that is now 4.5% cashback on the BoA CCR, but was formerly 5.25% cashback... :(   ETA:  I also lost the additional 10% relationship bonus that was available under the old Preferred Rewards program for my BoA CCR MC at 9.99% F...it is no longer part of the new Preferred Rewards program...

Venmo Visa (Synchrony) CLI: $8,000 → $15,000 🎉 My last CLI was 5/18/26. Since it had been a little over 4 months, I figured I’d give it another shot on 10/4/26. I haven’t really been putting any spend on the card lately, so I wasn’t sure what to expect. I requested $15,000 and Synchrony approved the full amount! What started out as my lowest-limit card at $900 is now my highest-limit personal card at $15,000. $900 → $15,000 in two years. Here’s the progression: • October 2024: $900 SL • June 2025: $2,400 — 2.67× increase after ~8 months • January 2026: $4,000 — 1.67× increase after ~7 months • May 2026: $8,000 — 2× increase after ~4 months • October 2026: $15,000 — 1.875× increase after ~4.5 months I know Synchrony has a reputation for lowering limits or closing cards for non-use, so I’m not necessarily expecting this limit to be untouchable forever if I continue to not to use the card. 😅 I just wanted to share the data point since I thought it was interesting that they approved such a large CLI despite very little recent spend.

Anyone apply for it yet? Just came out last week. Similar to the Smartly whereby you can increase from the base 2% cash back to 2.5 or 3% cash back if you have 10k in a US Bank Biz Checking account. Im thinking of applying for this purpose as I have a long relationship with USB.