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?
Starting Score: 590 MyFico EQ
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.
Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
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