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NFCU Platinum MasterCard

Frequent Contributor

NFCU Platinum MasterCard

After being in the garden for 2 weeks, I got an itch and applied for the NFCU Platnium MasterCard. Thought that free extended warranty service would be nice. Approved at 12.99% with a $2,500 limit.

 

Two weeks ago I got my Overdraft Line of Credit from them with a $7500 limit and a month ago I got the CashRewards Visa with a $7500 limit. I was sort of expecting the third limit to be around $7,500 too, perhaps they are thinking they extended enough credit to me! Smiley Happy

 

It's too bad I need to pick between cash back and the extended warranty. 

Message 1 of 7
6 REPLIES
Senior Contributor

Re: NFCU Platinum MasterCard

Navy, like other lenders, definitely has a limit as to how much they'll extend to any one person. As you build history with them, they'll definitely be giving you larger CLs, tho the ones you already got are nice. I believe they'll let you move credit around between CCs. So, you could split the difference and have $5k on each of the CCs if you want. The Navchek is completely separate, so you can't adjust that CL towards our CCs. 

 

Btw, they are more generous with people who also bank with them. So, if you don't have a ckg acct with them, you might consider that.

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 2 of 7
New Contributor

Re: NFCU Platinum MasterCard

Ficojoe,

 

What are your scores?


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

Re: NFCU Platinum MasterCard

NFCU is very generous with time... I have 3 credit cards with them all with cl of 25,000 and a navchek of 10,000. I have been with them for 4 years or so now.

Message 4 of 7
Frequent Contributor

Re: NFCU Platinum MasterCard

NFCU is very generous indeed, they are very generous with CLI just try to spread apart though because im almost 100% sure they pull hard inquiries. Just ask for a little more than you want incase they counter offer for future reference.

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Message 5 of 7
Frequent Contributor

Re: NFCU Platinum MasterCard

On August 3rd, my TU FICO was 628. On July 21st, my Experian FICO was 641.

 

As of today, my FAKO scores per USAA are: Experian: 676, Equifax: 676, TransUnion: 575


Aspireto850 wrote:

Ficojoe,

 

What are your scores?


 

Message 6 of 7
Frequent Contributor

Re: NFCU Platinum MasterCard


bichonmom wrote:

Btw, they are more generous with people who also bank with them. So, if you don't have a ckg acct with them, you might consider that.


I just moved my checking to them. I waited to make sure they would approve NavCheck before I began using it. I made 1 deposit and have not spent from it yet. However, I am in the process of switching to them for my primary checking account.

Message 7 of 7