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Navy Credit Rep offers me "My Own Cash"....

tag
Creditaddict
Legendary Contributor

Navy Credit Rep offers me "My Own Cash"....

I was talking to a Navy Credit Card Representative about my partners Cash Visa (I'm Authorized and Manager of Account) and how to find out how close we were to move from 1% on first $10k to 1.5% after $10k spending each year... Found it online in the account about same time she did! As of about 4 days ago we were only $700 away but we renew Jan 22, 2013... ANYWAY!:

Im talking to her and all of a sudden she says I have an offer for your own Cash Card, Have you thought about getting your own? ummm, uhhh, WHAT?!!!!

She repeats I have offer for your own... I'm like me, myself, I... Offer for OWN CARD!??? Rep - YES...

I'm like I check the offers daily! She says this is part of the offers that we see when a customer calls and can offer... I'm like is it Pre-Approved or?

She says Credit Check is still needed...

Anyone have this happen? Did you apply, What was outcome??

 

I have had some recent not so great things happening, so i assume moving forward will not happen with a great outcome, just sad of the thought, and not knowing if they used a SP to make the offer and how old that SP is or....

Message 1 of 6
5 REPLIES 5
jsickz32
Valued Contributor

Re: Navy Credit Rep offers me "My Own Cash"....

when i first joined NFCU they called me and they told me the same that the had an offer for a cc. i was approved instantly and ive never had a cc offer on the website

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 2 of 6
Creditaddict
Legendary Contributor

Re: Navy Credit Rep offers me "My Own Cash"....


@jsickz32 wrote:

when i first joined NFCU they called me and they told me the same that the had an offer for a cc. i was approved instantly and ive never had a cc offer on the website


Wonder if it would have different outcome applying cold online for the same card that she was offering over phone?

Message 3 of 6
jsickz32
Valued Contributor

Re: Navy Credit Rep offers me "My Own Cash"....


@Creditaddict wrote:

@jsickz32 wrote:

when i first joined NFCU they called me and they told me the same that the had an offer for a cc. i was approved instantly and ive never had a cc offer on the website


Wonder if it would have different outcome applying cold online for the same card that she was offering over phone?


why didnt you do it over the phone? i was very surprise when i accepted the offer and she told me i was approved for 8k! that same day i applied online for their nrewards and was denied for too many new account in last 6 months.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 4 of 6
distantarray
Established Contributor

Re: Navy Credit Rep offers me "My Own Cash"....

why are you so surprised you were offered a card?


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 5 of 6
webhopper
Moderator Emeritus

Re: Navy Credit Rep offers me "My Own Cash"....

Haha, you can always call back. They will undoubtedly approve you for a generous limit.
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 6 of 6
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