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Regular Contributor
mschang
Posts: 139
Registered: ‎06-10-2012
0

NavyFed invites me to apply for a card i already have

[ Edited ]

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
Moderator
pizzadude
Posts: 9,674
Registered: ‎01-28-2010
0

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
Valued Contributor
rootpooty
Posts: 1,772
Registered: ‎10-28-2011
0

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

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

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!

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Regular Contributor
mschang
Posts: 139
Registered: ‎06-10-2012
0

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 :smileywink: 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

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