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NFCU American Express

Valued Member

NFCU Partners w/ AMEX

I was reading this article and wanted to get some thoughts. Im curious what the approval would look like for this since I cant get an AMEX for another couple of years (due to BK). -- Here's the article from business wire: http://www.businesswire.com/news/home/20170509005091/en/Rewards-Store-Navy-Federal-Members-American-...
CH7 Discharged: 11/2015 // Mortgage - Closed 12/15/2017 | NFCU cRewards Visa - $19,500 | NFCU CLOC #1 - $15k | NFCU CLOC #2 - $15k | Sleep Number - $5k | Lowes - $5k | Capital One QS - $3.5k | Capital One Platinum - $600 | Discover IT (AU) - $3k | USAA Secured Visa (AU) - $1,500 || TOTAL CREDIT LIMIT: $68,100 // Gardening til Dec 31, 2019
Message 21 of 114
Super Contributor

Re: NFCU Partners w/ AMEX

Good readSmiley Happy. Well, since its not the actual Amex with whom you are blacklisted , you will have a shot if you meet the requirements set up by Navy and UW. Im sure there will be a bunch of apps for this as a) its a new card, and b) alot of people seem to want 2 and 3 Navy cards to get the big sls. Smart move on Amex's partSmiley Happy

To obtain Credit One Kenobi status upon 0/24 is to Garden Harden!!
Message 22 of 114
Valued Member

Re: NFCU Partners w/ AMEX

I agree with it being a smart move *smiles. Im looking forward to adding this as a 2nd card with NFCU (not looking for a 3rd with NFCU).Until then... to the garden I go!
CH7 Discharged: 11/2015 // Mortgage - Closed 12/15/2017 | NFCU cRewards Visa - $19,500 | NFCU CLOC #1 - $15k | NFCU CLOC #2 - $15k | Sleep Number - $5k | Lowes - $5k | Capital One QS - $3.5k | Capital One Platinum - $600 | Discover IT (AU) - $3k | USAA Secured Visa (AU) - $1,500 || TOTAL CREDIT LIMIT: $68,100 // Gardening til Dec 31, 2019
Message 23 of 114
Valued Contributor

Re: NFCU American Express


UncleB wrote:

My other thought is that they might offer a 2.5% card similar to USAA, but of course that's just my own idle speculation... LOL.

This would be a TOTAL game changer for a lot of people!! Let's hope this is what it is. With Amex higher swipe fees, they would be in a position to do this. 

 

Excellent read!


Current Scores 3/2016 Equifax 676 Transunion 697 Experian 648 Goal Scores: 720's accross the board. Gardening Goal: 3/2017
Message 24 of 114
Established Contributor

Re: NFCU American Express

I know they pull tu for credit cards is it possible because it's a Amex they will pull a equifax or ex?
Message 25 of 114
Moderator

Re: NFCU American Express


kugel wrote:
I know they pull tu for credit cards is it possible because it's a Amex they will pull a equifax or ex?

No, this is just Amex the transaction network, not Amex Centurion Bank.  Pulls for UW this card will be the same as NFCU does anyway.

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 741, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (1/1/18)
Goal Score:    EQ 5 771, TU 4 750, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (01/01/19)


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Message 26 of 114
Highlighted
Moderator

Re: NFCU American Express


kugel wrote:
I know they pull tu for credit cards is it possible because it's a Amex they will pull a equifax or ex?

The payment network wouldn't have any bearing on NFCU's UW practices.   This is a credit product issued by NFCU using the AMEX payment network.   While Centurion Bank typically pulls EX, NFCU pulls TU for their CC apps.  Of course, this could change in the future, but it would likely affect all of their products.  



Start: 619 (TU08, 9/2013) | Current: 799 (TU08, 1/09/18)
Sam's Club MC $25000 | Marvel MC $25000 | Macy's AMEX $25000 | AMEX BCE $20400 | Discover IT $20000 | Macy's Store $20000 | Cap 1 QS WMC $17250 | BoA BBR #1 $17200 | JCP $15000 | Citi DC $12600 | Freedom VS $12000 | BofA BBR #2 $11800 | Disney VS $11500 | Care Credit MC $11200 | Cash+ VS $10500 | CashForward WMC $10000 | Barclay Rewards WMC $10000 | WCU Visa $10000 | Amazon Store $8000 | Blispay $7500 | Target MC $5000 | Sony Card $4250 | ~~Gardening Since 11/2/17
Message 27 of 114
Established Contributor

Re: NFCU American Express

i wonder if navy will let us convert a current card to the amex when availible 

fico 01/01/04//2018tu 607eq 636
ex 618overstock src="http://ficoforums.
Message 28 of 114
Established Contributor

Re: NFCU American Express

I think they pull your credit for that
Not like PenFed u can just convert
Message 29 of 114
Established Contributor

Re: NFCU American Express

Any update on the timeframe other than "fall 2017?" My 91 days is up in August so I had a vested interest.

Starting Score: EQ 497 TU 496 EX 499
Current Score: EQ 592 TU 580 EX 581
Goal Score: 700 Across the board


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Message 30 of 114