topic Re: Navy Fed Credit Card Question in Credit Card Applications

Navy Fed Credit Card Question

Anonymous — Mon, 12 Oct 2020 17:37:01 GMT

Ok so I have the secured Nrewards that hasn't yet graduated, have had it a little over a year. Three months ago I applied and was approved for the Cash Rewards for $6,200. Im looking at aping for a new card at 91/3 but was wondering what the Nrewards graduates to before I apply. I'm thinking of applying for the More Rewards Amex. But I don't want t apply for a card that my Nrewards may graduate too. Suggestions?

Re: Navy Fed Credit Card Question

800wannabe420 — Mon, 12 Oct 2020 17:51:45 GMT

@Anonymous wrote:
Ok so I have the secured Nrewards that hasn't yet graduated, have had it a little over a year. Three months ago I applied and was approved for the Cash Rewards for $6,200. Im looking at aping for a new card at 91/3 but was wondering what the Nrewards graduates to before I apply. I'm thinking of applying for the More Rewards Amex. But I don't want t apply for a card that my Nrewards may graduate too. Suggestions?

Usually the nRewards becomes a Cash Rewards by default. But if the card is not what you want at graduation, NFCU will change it to whatever card you want with the exception of the Flagship which has different UW requirements, primarily a minimum 5K sl.

Re: Navy Fed Credit Card Question

M_Smart007 — Mon, 12 Oct 2020 20:26:28 GMT

@Anonymous wrote:
Ok so I have the secured Nrewards that hasn't yet graduated, have had it a little over a year. Three months ago I applied and was approved for the Cash Rewards for $6,200. Im looking at aping for a new card at 91/3 but was wondering what the Nrewards graduates to before I apply. I'm thinking of applying for the More Rewards Amex. But I don't want t apply for a card that my Nrewards may graduate too. Suggestions?

I would apply and get the MoreRewards SUB. (equal to $250.00)

Keep in mind, always apply first, before asking for a CLI on another card.

I cannot confirm 100% .. but some DP's are pointing to TU pulls for CLI's and New CC's NFCU now.

(Alway's was TU for new CC pulls)

Extra reading here ..

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Thread-for-CLI-and-Additional-Cards/td-p/3419729

Edited for clarification about pulls.

Re: Navy Fed Credit Card Question

800wannabe420 — Mon, 12 Oct 2020 20:18:41 GMT

Credit card apps have ALWAYS been a TU pull for me. EQ was reserved for CLI (when they did a hard pull).

Re: Navy Fed Credit Card Question

M_Smart007 — Mon, 12 Oct 2020 20:27:53 GMT

@800wannabe420 wrote:
Credit card apps have ALWAYS been a TU pull for me. EQ was reserved for CLI (when they did a hard pull).

@800wannabe420, I guess I need to edit my post for clarity, TU for all pulls now.

Sorry for any confusion.

Still not enough DP's about CLOC pulls, but I am guessing they switched all pulls over to TU ?? ... YMMV

Re: Navy Fed Credit Card Question

800wannabe420 — Mon, 12 Oct 2020 20:29:30 GMT

@M_Smart007 wrote:
@800wannabe420 wrote:
Credit card apps have ALWAYS been a TU pull for me. EQ was reserved for CLI (when they did a hard pull).

@800wannabe420, I guess I need to edit my post for clarity, TU for all pulls now.
Sorry for any confusion.

Still not enough DP's about CLOC pulls, but I am guessing they switched all pulls over to TU ?? ... YMMV

Confusion is where I live 😎

Re: Navy Fed Credit Card Question

Anonymous — Mon, 12 Oct 2020 21:18:31 GMT

@M_Smart007 wrote:
@Anonymous wrote:
Ok so I have the secured Nrewards that hasn't yet graduated, have had it a little over a year. Three months ago I applied and was approved for the Cash Rewards for $6,200. Im looking at aping for a new card at 91/3 but was wondering what the Nrewards graduates to before I apply. I'm thinking of applying for the More Rewards Amex. But I don't want t apply for a card that my Nrewards may graduate too. Suggestions?
I would apply and get the MoreRewards SUB. (equal to $250.00)
Keep in mind, always apply first, before asking for a CLI on another card.
I cannot confirm 100% .. but some DP's are pointing to TU pulls for CLI's and New CC's NFCU now.
(Alway's was TU for new CC pulls)

Extra reading here ..
https://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Thread-for-CLI-and-Additional-Cards/td-p/3419729

Edited for clarification about pulls.

Thanks, that's what I was thinking exactly. I'll let you all know how it goes.