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Two Credit Cards Through NFCU

Regular Contributor

Re: Two Credit Cards Through NFCU

Their optional line of credit, shown as a credit card on the credit report

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012
Established Contributor

Re: Two Credit Cards Through NFCU

optional line of credit? so it's not a credit card? can you explain more?


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor

Re: Two Credit Cards Through NFCU

does anyone know if NFCU offers a World MC??

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Regular Contributor

Re: Two Credit Cards Through NFCU


distantarray wrote:

optional line of credit? so it's not a credit card? can you explain more?


You can get checks issued from it and use the checks for what you need. Basically it is a revolving LOC that can be used in place of a personal loan.

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012
Regular Contributor

Re: Two Credit Cards Through NFCU


Sparkz1920 wrote:
Maybe I should try the love button...they'll probably tell me no as I don't use it and when I did use it, I barely charged 500 on it

I know BOA denied me an increase because they said I don't use what I got and my baddies on TU...

This is funny.  a person gets denied when they don't use it enough and they get denied when they use it too much because of high utilization.....lolSmiley Frustrated

FICO EQ: 633 8/15/12
lender pulled 11/3/12 EQ 661 TU 650 EX598
credit Karma 674 credit sesame: 663
B/K discharged 2/2006......closed 8/2012

May your limits be high and your balances low!

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Established Contributor

Re: Two Credit Cards Through NFCU

so basically I can use it like cash advances? any idea on what the interests look like?

 

I just got approved 2 days ago for GoRewards @  $17,000 limit with 7.24% apr


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758