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NAVY FEDERAL.

Senior Contributor

Re: NAVY FEDERAL.

Congrats!!! They are very generous with limits too!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 11 of 41
Senior Contributor

Re: NAVY FEDERAL.

interest rates only matter if you carry a balance.  17.99 is still pretty darn good!

Message 12 of 41
Established Contributor

Re: NAVY FEDERAL.

whats the limit

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Message 13 of 41
Frequent Contributor

Re: NAVY FEDERAL.

500 its a SECURED nRewards I am so glad to be back in with Navy and the 1st day I have a credit product!

Should I keep my cap 1 secured open?? Or wait til the annual fee is about to hit in July? I was thinking about closing it because my orchard will move over in summer and I think you can only have 2 cards with capital one. Orchard is my oldest cc.
BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Message 14 of 41
Moderator Emerita

Re: NAVY FEDERAL.

Email Cap 1 Ex Off and ask for the AF to be waived. My DH got his waived along with a decrease in his APR.

Good luck
Message 15 of 41
Moderator Emeritus

Re: NAVY FEDERAL.

Congrats on your good decisions and approval for nRewards...  gotta start somewhere, and getting right with NFCU is a great start.


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!



Take the myFICO Fitness Challenge
Message 16 of 41
Frequent Contributor

Re: NAVY FEDERAL.

Yeah., I need some help! What do you experts think I should keep, which should I begg and plead to ask to waive fees etc an which should I axe?

 

Capital one Secured 0/200 annual fee July

Orchard 0/300 Annual fee May

First Primier 0/300 Annual fee July

 

 

Capital one Cash Rewars 0/500 0 Intrest til Nov 13; KEEP.

Navy nRewards Secured 0/500 KEEP.

 

I was thinking of canceling the secured from capital one and the FP asap.. Or should I wait until the 11th month?

 

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Message 17 of 41
Established Contributor

Re: NAVY FEDERAL.

Personally I would ax the secured cards except the NFCU card and apply all that cash to the NFCU secured card

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Message 18 of 41
Frequent Contributor

Re: NAVY FEDERAL.

Well the First premier, orchard and cash rewards are unsecured. The capital one is secured of just $45 dollars.

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Message 19 of 41
Established Contributor

Re: NAVY FEDERAL.

Oh, well you need at least three credit cards to max scoring benefiets so keep the Cap One and the NFCU and ax all but one of the others.

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Message 20 of 41