topic Re: NFCU Balance transfer advice needed please in Credit Card Applications

NFCU Balance transfer advice needed please

sdsoccerdad — Tue, 01 Aug 2017 20:13:29 GMT

My wife wants to take advantage of the NFCU Platinum BT offer for 0% they have going right now. She currently has a Cash Rewards card with a CL of $18000 that was opened last November. She applied for the Platinum card and was given a CL of $1500. The balance transfer that she has is about $12000.00.

Any help would be appreciated.

Re: NFCU Balance transfer advice needed please

AverageJoesCredit — Tue, 01 Aug 2017 23:46:15 GMT

Might have to wait for the Plat to be increased or try using a hp and see if they give a cli now. All depends on her internal limit as well.

Re: NFCU Balance transfer advice needed please

sdsoccerdad — Tue, 01 Aug 2017 23:50:29 GMT

@AverageJoesCredit wrote:
Might have to wait for the Plat to be increased or try using a hp and see if they give a cli now. All depends on her internal limit as well.

I iwas afraid you were going to say that. She doesn't want another HP so she may end up doing the balance transfer anyways to her other card just to get it over with.

Re: NFCU Balance transfer advice needed please

JoeLuvsHisCredit — Wed, 02 Aug 2017 01:22:04 GMT

Sorry OP

One thing I would do for sure is I would call them and explain what you want to do they might surprise you You wouldn't know until you try maybe she could see if they move part of her other card limit over to the new card?

Sorry Op

Re: NFCU Balance transfer advice needed please

sdsoccerdad — Wed, 02 Aug 2017 01:23:20 GMT

I will have her call to see if they reconsider. Thanks for the tip

Re: NFCU Balance transfer advice needed please

sdsoccerdad — Wed, 02 Aug 2017 15:52:49 GMT

So my wife called today and they said that she would have to submit an appeal online. For those of you that have done it, what do you say when you send a secure message?

Re: NFCU Balance transfer advice needed please

AverageJoesCredit — Wed, 02 Aug 2017 23:34:33 GMT

I would just lay out your situation as truthfully and sincere as you can . Explain to them you want to really utilize Navy and hopefully they can help you out. Good suggestion, Joe Good luck op

Re: NFCU Balance transfer advice needed please

sdsoccerdad — Thu, 03 Aug 2017 11:19:29 GMT

Took everyone's advice and sent a message. They responded with an increase to $6300. Not quite the amount but halfway there. Very thankful so she'll have to split half over two cards but st least half is 0% interest for 12 months.

Re: NFCU Balance transfer advice needed please

CreditInspired — Thu, 03 Aug 2017 21:57:54 GMT

Wow AJC and JoeLove

Your advice to sdsoccerdad was on the money. 😁 I luv when things go according to advice from MyFICOers. Kudos to both of you and also congrats to OP's wife for following through and getting an increase.

Re: NFCU Balance transfer advice needed please

sdsoccerdad — Thu, 03 Aug 2017 22:00:46 GMT

Correction - She was given $6500 from the initial $1000 to start. Everyone here is awesome!

Re: NFCU Balance transfer advice needed please

AverageJoesCredit — Thu, 03 Aug 2017 23:09:41 GMT

Thats awesome! Navy is the best. Big congrats to DW