NFCU Product Change Maybe??

Sweets8E · ‎03-07-2009

With Navy Federal unsecuring my secured card yesterday (Actually happened on the 19th. Just noticed it yesterday though) I am now the owner of 3 nRewards cards.....Can I ask them to pc the one they just unsecured to something else?

If so, what are some good options? I travel a lot for my job, and currently I run those charges through my Zync (we all know how ineffective and kind of crappy those rewards are). I also just got a Southwest Rapid Rewards Visa that I'll be using too for the points there. I just don't want to sit on 3 nRewards cards.

Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 696 TU / 692 EQ 05/18/2013 / 674 EX 02/26/2013 (amex app)
Goal Score: 700 across all three

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DaveSignal · ‎07-29-2011

Sweets8E wrote:
With Navy Federal unsecuring my secured card yesterday (Actually happened on the 19th. Just noticed it yesterday though) I am now the owner of 3 nRewards cards.....Can I ask them to pc the one they just unsecured to something else?

If so, what are some good options? I travel a lot for my job, and currently I run those charges through my Zync (we all know how ineffective and kind of crappy those rewards are). I also just got a Southwest Rapid Rewards Visa that I'll be using too for the points there. I just don't want to sit on 3 nRewards cards.

You can call them and ask for PC, why not? You will lose all of your points though, as NFCU doesn't transfer them, so you should spend them all before you PC.

FICO Scores: EQ:690 TU:695 EX:706

Gripping a Gloriously Gold Spade!

Gardening: NFCU nRewards $14k - USAA Rewards $4.5k - SDFCU Flexpoints EMV Chip+PIN $5k - BoA Travel Rewards EMV $4.5k

Sweets8E · ‎03-07-2009

DaveSignal wrote:
Sweets8E wrote:
With Navy Federal unsecuring my secured card yesterday (Actually happened on the 19th. Just noticed it yesterday though) I am now the owner of 3 nRewards cards.....Can I ask them to pc the one they just unsecured to something else?

If so, what are some good options? I travel a lot for my job, and currently I run those charges through my Zync (we all know how ineffective and kind of crappy those rewards are). I also just got a Southwest Rapid Rewards Visa that I'll be using too for the points there. I just don't want to sit on 3 nRewards cards.
You can call them and ask for PC, why not? You will lose all of your points though, as NFCU doesn't transfer them, so you should spend them all before you PC.

Good point. I'll do that first.

Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 696 TU / 692 EQ 05/18/2013 / 674 EX 02/26/2013 (amex app)
Goal Score: 700 across all three

Take the FICO Fitness Challenge

webhopper · ‎09-16-2011

Cash rewards and flagship are good. Also platinum is not bad because the Apr is low low... platinum is a good Balance transfer card.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!

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mr_postman · ‎01-17-2008

Sweets8E wrote:
With Navy Federal unsecuring my secured card yesterday (Actually happened on the 19th. Just noticed it yesterday though) I am now the owner of 3 nRewards cards.....Can I ask them to pc the one they just unsecured to something else?

If so, what are some good options? I travel a lot for my job, and currently I run those charges through my Zync (we all know how ineffective and kind of crappy those rewards are). I also just got a Southwest Rapid Rewards Visa that I'll be using too for the points there. I just don't want to sit on 3 nRewards cards.

i recently did a pc with navyfed i just emailed requesting my nrewards master to be converted to cash reards visa and gave me the siggy took 2 days before it reflect my account

Aspireto850 · ‎08-12-2012

What is PC?

Current: 12/6/12 708 Exp Fico
Goal Score: 740then Garden

gettnthere · ‎06-14-2012

Aspireto850 wrote:
What is PC?

It is a Product Change. kind of like going from a regular platinum card to a cash rewards card with the same issuer.

Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12

OnMyWayUp14 · ‎09-29-2012

you can change it to something else with NFCU too. I had a 7500 CL nrewards and a 2500 cash rewards, and I called to have them close the nrewards and add that CL to my other card, which had a lower interest rate ( not that I have ever paid any, but still). So now with them, I only have a cash rewards for 10k

Voodard · ‎06-13-2012

@webhopper:

+1 with regard to NFCU Visa Platinum being an excellent balance transfer card. I missed their 0% transfer offer earlier this year, but won't miss it again.

To the OP:

My NFCU Platinum card carries an annual interest rate of just 10.99%. This is fantastic because I don't value the other card products from NFCU; my CSP and Chase United MP Explorer and Citibank HHonors Visa are superior to NFCU rewards programs. I highly recommend you make one of those nRewards cards a Platinum card!

TU 743 as of 5/12
EQ 765 as of 10/12
EX Plus 780 as of 7/12

Cards in wallet: Chase Sapphire Preferred ($25k) Chase Freedom (8k) NFCU Platinum ($24k) HHonors Reserve ($11k)
United MileagePlus Explorer ($17k)

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