iCoop wrote:
So you can see I was HIGHLY surprised when they approved the credit card for that much. Although I would have rather had a reduced APR instead of the increased CL. The Platinum NFCU card can have an APR as low as 7.99%. Thank goodness I only carry balances from time to time.
actually you can get much lower, I'm at 5% with Platinum, with the GoRewards (1.7% rewards card I was at 7.24% with $17,000 credit limit. The 7.99% is PRIME rate, there's a rate called PRIME PLUS
distantarray wrote:
iCoop wrote:
So you can see I was HIGHLY surprised when they approved the credit card for that much. Although I would have rather had a reduced APR instead of the increased CL. The Platinum NFCU card can have an APR as low as 7.99%. Thank goodness I only carry balances from time to time.
actually you can get much lower, I'm at 5% with Platinum, with the GoRewards (1.7% rewards card I was at 7.24% with $17,000 credit limit. The 7.99% is PRIME rate, there's a rate called PRIME PLUS
Well I am definitely about to build my history with them for years to come as they have all of my accounts now, so perhaps in a year I will ask for a lowered APR and CLI. But mainly just the APR reduction. How did you go about getting the Prime Plus rate if I may ask? And should I call in now to see if they will reduce my APR further? I don't want to push it as I know my credit scores are in the 685 range as I have a brand new mortgage, auto loan, and numerous HPs on my reports.
Starting Score: EQ 675 | TU 688 | EX 702
I've so got to get in with NFCU!
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
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iCoop wrote:
distantarray wrote:
iCoop wrote:
So you can see I was HIGHLY surprised when they approved the credit card for that much. Although I would have rather had a reduced APR instead of the increased CL. The Platinum NFCU card can have an APR as low as 7.99%. Thank goodness I only carry balances from time to time.
actually you can get much lower, I'm at 5% with Platinum, with the GoRewards (1.7% rewards card I was at 7.24% with $17,000 credit limit. The 7.99% is PRIME rate, there's a rate called PRIME PLUS
Well I am definitely about to build my history with them for years to come as they have all of my accounts now, so perhaps in a year I will ask for a lowered APR and CLI. But mainly just the APR reduction. How did you go about getting the Prime Plus rate if I may ask? And should I call in now to see if they will reduce my APR further? I don't want to push it as I know my credit scores are in the 685 range as I have a brand new mortgage, auto loan, and numerous HPs on my reports.
Just applied online with a last known 754 EQ score, my utility was at 2% though and with Bobwang's (a credit guru) calculations a 2% utilitzation is the sweet spot for Fico's.
Oh I've wanted to for a long time, and have been trying like hell to find a way in! My sister and her husband can join through his sister, if I can freaking get them to do it!!! Then I can get in. It's not for the lack of want, it's the finding a way in!
Starting Score: 504Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Shogun wrote:Oh I've wanted to for a long time, and have been trying like hell to find a way in! My sister and her husband can join through his sister, if I can freaking get them to do it!!! Then I can get in. It's not for the lack of want, it's the finding a way in!
you can always get in with a roommate, change your address to a Navy Federal member and put a utility bill under your name for a short time. of course this is frowned upon =x but roommates can get in if you contribute to the household, and no this is not how I got in, I was born on a military base =)
Shogun wrote:Oh I've wanted to for a long time, and have been trying like hell to find a way in! My sister and her husband can join through his sister, if I can freaking get them to do it!!! Then I can get in. It's not for the lack of want, it's the finding a way in!
I had to do the same thing with roommate. I had to lay out all of the benefits and explain it to him before he would agree. The fact that I can extend that to my family and he to his was one of the selling points. Also stress that its a simple thing to join and once in you are good.
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