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Epic Contributor
Creditaddict
Posts: 22,066
Registered: ‎10-23-2007
0

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....

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

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)
Epic Contributor
Creditaddict
Posts: 22,066
Registered: ‎10-23-2007
0

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?

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

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)
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

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
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

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

Haha, you can always call back. They will undoubtedly approve you for a generous limit.

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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