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Contributor
mojobones89
Posts: 252
Registered: ‎01-21-2013

Re: military man trying to join the amex family.questions,advice,help.

Thanks for the info,i will definitely look into it cus 15k sounds good to me haha hoping your right,hopefully they dont have too many good products that will make it hard for me to choose from.any recommendations?
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: military man trying to join the amex family.questions,advice,help.

100% chance of approval for PRG. And the balance doesn't harm your utilization percent... that's why I love it. Perfect for folks who spend a lot.

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
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Contributor
mojobones89
Posts: 252
Registered: ‎01-21-2013

Re: military man trying to join the amex family.questions,advice,help.

Even though i have 15 inq?
My two newest accounts are from December,both an installment loan and a credit card.my aaoa is also my worry of 1.3,man you make it sound so easy lol very veey tempting,would you say over the phone or via internet?
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: military man trying to join the amex family.questions,advice,help.

Nfcu has limited options on cards and if you decide you want a different card just call them and they can switch your card for example if you have cash card and decide you need flagship just call them. No need to reapply or cancel anything just product change :smileyhappy:

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
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: military man trying to join the amex family.questions,advice,help.

I got my first amex with 18 inq and got nfcu with 19 inq. They don't care. They aren't like chase or Barclay. My starting limit with nfcu was 22k. Now I'm at 25k and I have a 22k amex revolver on top.

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
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Contributor
mojobones89
Posts: 252
Registered: ‎01-21-2013

Re: military man trying to join the amex family.questions,advice,help.

Jeeeeez,rolling big!i will go give it. A shot,maybe over the phone.
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: military man trying to join the amex family.questions,advice,help.

I'm all about the gardening but I see no point in waiting. I say go for it and do nfcu then you can garden for years and close low limit cards.

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
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012

Re: military man trying to join the amex family.questions,advice,help.

[ Edited ]

mojobones89 wrote:
Thanks for the info,i will definitely look into it cus 15k sounds good to me haha hoping your right,hopefully they dont have too many good products that will make it hard for me to choose from.any recommendations?

I would go for the card that makes you the most rewards cash while charging the least fees.Their Signature Cash Rewards card. if you apply online be prepared for the shock of getting a FAT limit.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012

Re: military man trying to join the amex family.questions,advice,help.


webhopper wrote:
Nfcu has limited options on cards and if you decide you want a different card just call them and they can switch your card for example if you have cash card and decide you need flagship just call them. No need to reapply or cancel anything just product change :smileyhappy:

I agree webhopper. They are so great.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: military man trying to join the amex family.questions,advice,help.

Nfcu takes a few days to process your info but then they will call and give you online access and everything... the few days you have to wait are well worth it and if you get a nfcu card you can do a balance transfer until the end of the month from any of your other loans or cards and get no interest for 1 year as long as you do it before the end of the month. Its a promotion. Also; nfcu never has balance transfer fees or cash advance fees and the rewards on my cash card are super easy to redeem.

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
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge

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