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New Contributor
Posts: 109
Registered: ‎08-12-2012
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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
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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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
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New Contributor
Posts: 109
Registered: ‎08-12-2012
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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
Regular Contributor
Posts: 188
Registered: ‎06-17-2011
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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!!!
New Contributor
Posts: 109
Registered: ‎08-12-2012
0

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
Contributor
Posts: 92
Registered: ‎06-05-2009
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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 $5,000
Chase Freedom $1,500
Bank of America Cash reward 123 $5,000
Barclays Arrival World MC $3,000
Contributor
Posts: 93
Registered: ‎01-31-2008
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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. 


Starting Score: 686 EQ (8/9/12), 668 TU (WalMart 8/8/12), 685 EX (3/25/14)
Most Recent Score: 684 EQ (3/26/14), 688 TU (3/25/14), 685 EX (3/25/14)
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