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Advice needed: NFCU c rewards to Visa Sig

New Contributor

Advice needed: NFCU c rewards to Visa Sig

I've had my NFCU card for about two months. Other than corporate Amex; this was my 1st major CC in years and so happy they took a chance on me. I'd like to go for the Visa Sig at some point so wanted to get your advice on how long should i wait AND would it be easier to do a product change or app for a new card????

 

thanks.


Current: 12/6/12 708 Exp Fico
Goal Score: 740then Garden
Message 1 of 7
6 REPLIES
Moderator Emeritus

Re: Advice needed: NFCU c rewards to Visa Sig

If your credit limit is above 5k, send them a note using secure message center asking if your account is eligible for upgrade. I did this, and several others have done this and were successful

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Message 2 of 7
New Contributor

Re: Advice needed: NFCU c rewards to Visa Sig

Wehopper,

 

Since it's close to 2 months old should I wait longer? Also, do I specifically ask if its eligible for upgrade to visa sig?


Current: 12/6/12 708 Exp Fico
Goal Score: 740then Garden
Message 3 of 7
Regular Contributor

Re: Advice needed: NFCU c rewards to Visa Sig

I had my CashRewards for about 4 months, CL $12.5k. Called in and asked for it to be upgraded to Visa Sig. They did it within 2 days and lowered by apr by 2 points. I didn't even ask for the reduction!!!
Message 4 of 7
New Contributor

Re: Advice needed: NFCU c rewards to Visa Sig

Wow, that's great. Perhaps I will wait til December and that upgrade will be my christmas present to ME!


Current: 12/6/12 708 Exp Fico
Goal Score: 740then Garden
Message 5 of 7
Contributor

Re: Advice needed: NFCU c rewards to Visa Sig

Like the others have said once you have a $5k limit it should be easy. 

 

I have low scores do to alot of inquires (car shopping) and I've only had my card for about 3 cycles and I just asked them to upgrade me from nRewards to a Flagship signature and it was no problem. I'm currently waiting on the account to update.

NFCU Flagship Rewards Visa Signature $5,000
NFCU NavCheck LOC $10,000
Chase INK Cash $10,000
Chase Freedom $1,500
Bank of America Cash reward 123 $5,000,Barclays Arrival World MC $3,000,Amazon Prime Card $3,500
Message 6 of 7
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Contributor

Re: Advice needed: NFCU c rewards to Visa Sig

If you have a Cash Rewards card with a CL of $5k+, it is my understanding that you will eventually be upgraded automatically.  I believe that they're working their way through and upgrading everyone.  I didn't have to do anything with my account, they upgraded my card automatically.  My new card just came this past Friday. 

Message 7 of 7