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Contributor
Posts: 92
Registered: ‎06-05-2009
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Question about NFCU Flagship NPSL or lack there of...

I just wanted to ask you fellow card holders if you've ever had a problem going over you limit with the Visa Signature from NFCU? I recently had my nRewards converted to a Flagship Visa Signature rewards card mainly because I liked NPSL feature that I thought was on all Visa Signature cards. Well I I've charged up my card to the limit this month and I just submited a full payment eariler today from the Navy Federal Checking account I have an hour or two after I made the payment I also tried to make another charge for $277 pucks that would have put me over my limit by only $40.00 had I not made the payment. Now I understand the payment may still have been processing but I figured it would have been ok to charge that transaction because of the NPSL.  When I called NFCU the rep told me shes never heard of that feauture so imagine my confusion? .. This card has a $49.00 annual fee but I'm thinking about going back a nRewards if I can't get that benefit. What if I needed to go over for an emergency or something false advertising no?

 

Any thoughts from the community?

NFCU Flagship Rewards Visa Signature $5,000
NFCU NavCheck LOC $10,000
Chase INK Cash $5,000
Chase Freedom $1,500
Bank of America Cash reward 123 $5,000
Barclays Arrival World MC $3,000
Epic Contributor
Posts: 23,841
Registered: ‎10-23-2007
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Re: Question about NFCU Flagship NPSL or lack there of...

Id be calling for a CLI and not owrry about the "Signature" allowing going over CL!

I'm really interested in this CLI process with Navy and when it's SP vs. HP?! if Anyone knows more and if the system gives increase right away online if it's there or if you have to ask for an amount and it kicks yes, or kicks for review and if that triggers HP, etc.

Fico Scores: EQ- 662., TU 684 Barclay, EX 700 (3/21/15)

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Posts: 7,225
Registered: ‎09-16-2011
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Re: Question about NFCU Flagship NPSL or lack there of...

My husband got a CLI on his platinum and it was a HP. Granted he had just gotten the card

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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Frequent Contributor
Posts: 266
Registered: ‎10-04-2009
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Re: Question about NFCU Flagship NPSL or lack there of...

Navy does not have NPSL on their Signature Visa and does not allow transactions above the revolving credit line.

Senior Contributor
Posts: 4,693
Registered: ‎12-11-2011
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Re: Question about NFCU Flagship NPSL or lack there of...


bostonte wrote:

Navy does not have NPSL on their Signature Visa and does not allow transactions above the revolving credit line.


I always thought every visa sig had NPSL. D: 

 

Learn something new every day!

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Contributor
Posts: 92
Registered: ‎06-05-2009
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Re: Question about NFCU Flagship NPSL or lack there of...


bostonte wrote:

Navy does not have NPSL on their Signature Visa and does not allow transactions above the revolving credit line.


Really. Well that answers that now I feel jipped. 

NFCU Flagship Rewards Visa Signature $5,000
NFCU NavCheck LOC $10,000
Chase INK Cash $5,000
Chase Freedom $1,500
Bank of America Cash reward 123 $5,000
Barclays Arrival World MC $3,000
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