topic Re: NFCU, wanting one card only in Credit Card Applications

NFCU, wanting one card only

CashBackQueen — Thu, 17 Oct 2019 23:24:32 GMT

Hi all,
I've been seeing people say that your second NFCU card is the one that grows so to NOT app for the one you really want first, but I only want one card, the Cash Rewards. Will it really not grow that well? If I get a different card first, can I eventually combine it into the second card later?
Thanks in advance 😊

Re: NFCU, wanting one card only

Anonymous — Thu, 17 Oct 2019 23:31:42 GMT

Get a cashRewards and at 91/3, ask for a CLI and see what happens. The thing is that NFCU normally won't approve more than 3x your limit when giving a CLI so a $1K approval will be $9K at the most 9 months later while a second card can start out at $10K+ right out of the gate.

All NFCU cards grow if given enough time, a second card just gets those big limits faster.

Re: NFCU, wanting one card only

Anonymous — Thu, 17 Oct 2019 23:37:19 GMT

I’m the opposite. My first card is a Cash Rewards and started at $5k. 3 months later (this week) I asked for a 3X CLI and they countered at $12k as my new limit. I app’d for the Flagship and was declined. Used the same HP and was approved for the More Rewards at $500 SL which they won’t budge from. No worries as I know they will grow more.

Re: NFCU, wanting one card only

spiritcraft1 — Thu, 17 Oct 2019 23:38:59 GMT

You can product change, Visa to Visa for instance. So after 6 months, if you get that second card with a higher limit you can shift around. The Flagship is really a 2% cashback card (with a $49 fee after 1st year). Depending on spend, that could make sense as that second card.

Re: NFCU, wanting one card only

Anonymous — Thu, 17 Oct 2019 23:46:07 GMT

You aren't limited to having to pick a different card either. You can have 2 cashRewards if you want.

I wouldn't discount the Platinum though -- having a low APR card to use for BTs of high interest balances to low interest as an option or for emergencies is always nice and it's hard to beat a low APR that has no BT fee for any transfers.

Re: NFCU, wanting one card only

Shooting-For-800 — Fri, 18 Oct 2019 00:28:17 GMT

@spiritcraft1 wrote:
You can product change, Visa to Visa for instance. So after 6 months, if you get that second card with a higher limit you can shift around. The Flagship is really a 2% cashback card (with a $49 fee after 1st year). Depending on spend, that could make sense as that second card.

How is flagship really a 2% card when you get 3% on travel?

Re: NFCU, wanting one card only

SlideOrInsert — Sun, 20 Oct 2019 14:38:59 GMT

will grow if your DTI supports it.

I did not want a second card either and chose the platinum because the *rewards card mirror my bofa cash (3-2-1) and chase freedom unlimited (1.5).

12/31/18	joined nfcu
12/31/18	approved platinum to 6800, hard pull
04/06/19	cli to 16800, hard pull
10/05/19	cli to 25000, soft pull

Re: NFCU, wanting one card only

spiritcraft1 — Fri, 18 Oct 2019 13:05:23 GMT

@Shooting-For-800 wrote:
@spiritcraft1 wrote:
You can product change, Visa to Visa for instance. So after 6 months, if you get that second card with a higher limit you can shift around. The Flagship is really a 2% cashback card (with a $49 fee after 1st year). Depending on spend, that could make sense as that second card.
How is flagship really a 2% card when you get 3% on travel?

2 points on "everything else". I have earned over $1k in 9 months including the $500 bonus.

Re: NFCU, wanting one card only

Shooting-For-800 — Fri, 18 Oct 2019 21:52:48 GMT

@spiritcraft1 wrote:
@Shooting-For-800 wrote:
@spiritcraft1 wrote:
You can product change, Visa to Visa for instance. So after 6 months, if you get that second card with a higher limit you can shift around. The Flagship is really a 2% cashback card (with a $49 fee after 1st year). Depending on spend, that could make sense as that second card.
How is flagship really a 2% card when you get 3% on travel?
2 points on "everything else". I have earned over $1k in 9 months including the $500 bonus.

Yea, I know. But its not just a 2% card. Its an at least 2% card.

Re: NFCU, wanting one card only

spiritcraft1 — Fri, 18 Oct 2019 22:00:19 GMT

@Shooting-For-800 wrote:
@spiritcraft1 wrote:
@Shooting-For-800 wrote:
@spiritcraft1 wrote:
You can product change, Visa to Visa for instance. So after 6 months, if you get that second card with a higher limit you can shift around. The Flagship is really a 2% cashback card (with a $49 fee after 1st year). Depending on spend, that could make sense as that second card.
How is flagship really a 2% card when you get 3% on travel?
2 points on "everything else". I have earned over $1k in 9 months including the $500 bonus.
Yea, I know. But its not just a 2% card. Its an at least 2% card.

Yes it is.