Navy suggestions??

[grillandwinemaster]

So with the new information circulating around here where honorably discharged military 

personnel now qualify for membership, I'm looking forward to establish a relationship with

Navy.

I need a CC to transfer some balances to.  I would like at least 10k starting limit.  I realize that

UW criteria must be met, however, my question is this:

Is there a particular credit card product that has easier UW criteria vs some of ther other credit

card products?  

I know that often times different credit cards have stricter or looser UW standards.  So some of

you veteran Navy (no pun intended) members with more experience, plesae help guide me

to the world of Navy Credit Card products!

TIA!

[Creditplz]

I was approved for a Flagship with a 660 at 13.3k / 15.24% APR, DW was approved for $2000 with her 730 (at the time) 13% APR.

Easier to get I would assume would be CashRewards, Nrewards. If you get the 10k you're asking for really depends on your Credit file

[Scupra]

Why wait? There is a way for anyone to become a member now. There is even 2.9 BT special

[Anonymous]

From what I have heard, all of their cards have the same criteria. If you qualify for one, you qualify for all with the same limits. Except that the Flagship card is a Signature, requiring a minimum of $5000 credit limit.

[grillandwinemaster]

---

@Anonymous wrote:

From what I have heard, all of their cards have the same criteria. If you qualify for one, you qualify for all with the same limits. Except that the Flagship card is a Signature, requiring a minimum of $5000 credit limit.

---

So theoretically, I could apply for the flagship in hopes of getting at least 5k if approved...

I need 10k, but 5k would definitely help. 

[grillandwinemaster]

---

@Scupra wrote:
Why wait? There is a way for anyone to become a member now. There is even 2.9 BT special

---

What is this you speak of?

Thanks for the info!

[UncleB]

---

@Anonymous wrote:

From what I have heard, all of their cards have the same criteria. If you qualify for one, you qualify for all with the same limits. Except that the Flagship card is a Signature, requiring a minimum of $5000 credit limit.

---

This ^^^.  

If NFCU cards didn't have the same criteria, it wouldn't make sense for them to allow you to freely PC from one type to another with only an APR adjustment to reflect the rewards (or lack thereof) for the new card type.  

In my case, I wanted the absolute lowest APR so I went for the no-rewards 'Platinum'... you can get it in either MasterCard or Visa (for those who have a preference).  

The only time it could matter is if somebody is possibly 'borderline'; in that case I would recommend them not going for the Flagship (due the above mentioned $5k minimum SL) but otherwise it shouldn't matter.  

[UncleB]

---

@grillandwinemaster wrote:

---

@Anonymous wrote:

From what I have heard, all of their cards have the same criteria. If you qualify for one, you qualify for all with the same limits. Except that the Flagship card is a Signature, requiring a minimum of $5000 credit limit.

---

So theoretically, I could apply for the flagship in hopes of getting at least 5k if approved...

I need 10k, but 5k would definitely help. 

---

Applying for the Flagship won't get you to $5k any easier than applying for one of their other products... the only difference is that if you don't qualify for $5k you would be declined if you applied for the Flagship, while you would still get approved for one of the others.

In any case, if the rewards (and AF) on the Flagship are a good match for you, then definitely go for it.  

[UncleB]

---

@grillandwinemaster wrote:

---

@Scupra wrote:
Why wait? There is a way for anyone to become a member now. There is even 2.9 BT special

---

What is this you speak of?

Thanks for the info!

---

https://www.navyfederal.org/products-services/cards/creditcards/balance-transfers.php?intcmp=hp%7Cco...

It's for both new and existing cardholders.