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NavyFed invites me to apply for a card i already have

Regular Contributor

NavyFed invites me to apply for a card i already have

i'm on month 14 on my navyfed secured card and on month 3 of my unsecured flagship visa with them.

 

clicked on my offers and it says i should apply for the flagship visa... which i already have.

 

would be nice if they unsecure my securd CC so i can get my 1K back... and offer me something i don't already have


Starting Score: EQ FICO 588 EX FICO 587 TU FICO 588
Current Score: EQ FICO 660 EX FICO 642 TU FICO 606
Goal Score: 680
Message 1 of 5
4 REPLIES
Super Contributor

Re: NavyFed invites me to apply for a card i already have


mschang wrote:

i'm on month 14 on my navyfed secured card and on month 3 of my unsecured flagship visa with them.

 

clicked on my offers and it says i should apply for the flagship visa... which i already have.

 

would be nice if they unsecure my securd CC so i can get my 1K back... and offer me something i don't already have


Could you apply for another one of the their unsecured CCs, like the Platinum ?     If you are approved then I would tend to agree that you could shut down your secured card and get your deposit back.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 2 of 5
Valued Contributor

Re: NavyFed invites me to apply for a card i already have

why have you not requested that they release the funds on your secured nrewards and go for a cli at the same time? you eq fico is strong enough and as long as no baddies have popped up since the secured nrewards you should be a go

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 3 of 5
Moderator Emeritus

Re: NavyFed invites me to apply for a card i already have

Have you called them and asked about unsecuring it? That would be my first step; someone on this board reported their nrewards unsecuring after the 12 month mark. I would refrain from opening a new account; just try to insecure your nrewards by calling them!

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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MyFICO Fitness Goal: 800s Club!



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Message 4 of 5
Regular Contributor

Re: NavyFed invites me to apply for a card i already have

i called after the 12-month mark and they said they review on the 13th month and then monthly thereafter. i actually applied for the flagship that same day because i was feeling cocky after having a CA delete and a few GWs Smiley Wink maybe that was my downfall.

 

as much as i would love to get the money back i don't think i can close it; this, the flagship, and a banana republic store card with $120 CL are my only credit cards.

 

i need to refi my car loan so i'm not going to push it but if they don't unsecure by october i'll call them.


Starting Score: EQ FICO 588 EX FICO 587 TU FICO 588
Current Score: EQ FICO 660 EX FICO 642 TU FICO 606
Goal Score: 680
Message 5 of 5