topic Re: NFCU Platinum Card Approval + Question in Credit Card Approvals

NFCU Platinum Card Approval + Question

followgreatness — Mon, 25 Jul 2022 07:33:55 GMT

Became a member of NFCU two days ago and decided to apply for the platinum card as I work my way towards a deeper relationship and the Flagship card down the line. I was instantly approved for over $7k.

Question, is it possible/recommended to use the recon line to see if I can get a lower interest rate? Or would that put me a risk for a possible lower limit/denial? Don't think there is any reason I'd be denied but just being cautious. The name of the game for me these days is to try to lower my APR's as best I can.

Any insight is much appreciated.

Re: NFCU Platinum Card Approval + Question

RealEstateGuy89 — Mon, 25 Jul 2022 08:35:15 GMT

Congratulations on your new Platinum card! With NFCU, you usually have to wait until the credit card is 1 year old before you are eligible for an interest rate reduction. When it reaches 1 year, you can submit a secure message asking them to reduce your interest rate and then they will look at it and give you a response as to yes or no and what they will reduce your rate to. If so, you will have to respond to accept their interest rate reduction offer.

Re: NFCU Platinum Card Approval + Question

followgreatness — Mon, 25 Jul 2022 08:52:47 GMT

@RealEstateGuy89 wrote:
Congratulations on your new Platinum card! With NFCU, you usually have to wait until the credit card is 1 year old before you are eligible for an interest rate reduction. When it reaches 1 year, you can submit a secure message asking them to reduce your interest rate and then they will look at it and give you a response as to yes or no and what they will reduce your rate to. If so, you will have to respond to accept their interest rate reduction offer.

Very helpful. Thank you!

Re: NFCU Platinum Card Approval + Question

babygirl1256 — Mon, 25 Jul 2022 08:54:39 GMT

Congrats on your NFCU Platinum Card approval.

Re: NFCU Platinum Card Approval + Question

Credit4Growth — Mon, 25 Jul 2022 10:42:27 GMT

@followgreatness wrote:
@RealEstateGuy89 wrote:
Congratulations on your new Platinum card! With NFCU, you usually have to wait until the credit card is 1 year old before you are eligible for an interest rate reduction. When it reaches 1 year, you can (call or) submit a secure message asking them to reduce your interest rate and then they will look at it and give you a response as to yes or no and what they will reduce your rate to. If so, you will have to respond to accept their interest rate reduction offer.
Very helpful. Thank you!

🎈Welcome to Navy...

🍺 Congratulations on your Platinum credit card approval!

Re: NFCU Platinum Card Approval + Question

NalekSok — Mon, 25 Jul 2022 12:36:05 GMT

Congratulations on your approval! 🎉

Re: NFCU Platinum Card Approval + Question

flexin222 — Mon, 25 Jul 2022 14:47:14 GMT

Congrats...Welcome to the family!

Re: NFCU Platinum Card Approval + Question

arifjk — Mon, 25 Jul 2022 16:41:40 GMT

Congrats on the approval. $7k SL is a good start. Wait for 1 year to request APR decrease. Once you pass 91 days and 3 FULL statements, apply for CLI. They will increase it for you. Then you can apply for their Flagship.

Re: NFCU Platinum Card Approval + Question

cashorcharge — Mon, 25 Jul 2022 20:01:25 GMT

WooHoo!! Congratulations on your NFCU Approval!!👏🏼🍾🥂

Good luck in your future requests..

Re: NFCU Platinum Card Approval + Question

RedundantCredit — Mon, 25 Jul 2022 20:53:44 GMT

Congrats on the approval!

Re: NFCU Platinum Card Approval + Question

KingRue8500 — Mon, 25 Jul 2022 21:17:48 GMT

Congrats on your NFCU Platinum approval

Re: NFCU Platinum Card Approval + Question

CreditAggie — Mon, 25 Jul 2022 22:07:47 GMT

Congratulations on your NFCU Platinum approval!

Re: NFCU Platinum Card Approval + Question

Danmae777 — Tue, 26 Jul 2022 11:19:18 GMT

Congratulations on your new approval, I would send a secure message through the app.