topic Re: NFCU APR Reduction! in Credit Cards

NFCU APR Reduction!

Anonymous514 — Tue, 04 Jul 2017 03:35:28 GMT

Re: NFCU APR Reduction!

peghede — Tue, 04 Jul 2017 03:43:16 GMT

Nice APR m8, to bad they don't give us fixed apr on cc.

Re: NFCU APR Reduction!

NYFan63 — Tue, 04 Jul 2017 07:05:44 GMT

@bigal - what was your initial APR? Thanks

Re: NFCU APR Reduction!

Anonymous — Tue, 04 Jul 2017 07:26:59 GMT

I didn't realize they dropped below their stated minimum? maybe I will ask for a reduction as I am at the stated minimum currently.

Re: NFCU APR Reduction!

AverageJoesCredit — Tue, 04 Jul 2017 14:03:38 GMT

Thats sic how old was your card before this redux?

Re: NFCU APR Reduction!

Anonymous514 — Wed, 05 Jul 2017 07:17:45 GMT

Got the card 12/2016. Apr was 15.74%. I have very good credit for a 21 year old.

Re: NFCU APR Reduction!

AverageJoesCredit — Wed, 05 Jul 2017 12:13:58 GMT

6 months thats amazing feat. 21 and forever i say

Re: NFCU APR Reduction!

Anonymous — Wed, 05 Jul 2017 12:43:57 GMT

TY I just emailed -em. I'll let you know how it goes!

What was your score and stats when you requested?

Re: NFCU APR Reduction!

Anonymous — Wed, 05 Jul 2017 13:24:26 GMT

Congrats on your better rate.

Re: NFCU APR Reduction!

Anonymous — Wed, 05 Jul 2017 17:58:21 GMT

Nice.. Enjoy it.

Re: NFCU APR Reduction!

Anonymous — Wed, 05 Jul 2017 18:23:02 GMT

@Anonymous wrote:
TY I just emailed -em. I'll let you know how it goes!
What was your score and stats when you requested?

Navy Federal Response 07/05/2017 : Thank you for using Navy Federal's eMessaging Service, Mr. XXXX. We received your request to reduce the Annual Percentage Rate (APR) on your existing Platinum Visa account. Please note that your APR may be considered for reduction only once every twelve months from the date your account was opened, or from the date that your rate was last reduced. A review of your APR will be available on or after 01/XX/18. If you have further questions, please let us know.

Re: NFCU APR Reduction!

Anonymous514 — Wed, 05 Jul 2017 22:58:25 GMT

I don't share my stats. Clean credit never late never maxed a CC. Also this card went from 10.1k to 18k in the first three months with only one charge of 16.50$ at a fast food place.

Re: NFCU APR Reduction!

NYFan63 — Thu, 06 Jul 2017 02:01:17 GMT

Thanks @bigal. I sent a secure message and got my Platinum Visa reduced from 13.74% to 10.74% and my cashRewards Visa Sig from 15.4% (I think) to 12.4%.

Best of luck to others...

Re: NFCU APR Reduction!

Anonymous — Thu, 06 Jul 2017 04:09:03 GMT

NY, how old is your card?

@NYFan63 wrote:
@Anonymous @Anonymous. I sent a secure message and got my Platinum Visa reduced from 13.74% to 10.74% and my cashRewards Visa Sig from 15.4% (I think) to 12.4%.

Best of luck to others...

Re: NFCU APR Reduction!

Anonymous — Thu, 06 Jul 2017 16:15:33 GMT

That's an Awesome apr !

Re: NFCU APR Reduction!

AverageJoesCredit — Thu, 06 Jul 2017 16:43:06 GMT

Op, i dont want to come off bad or anything but i dont see any harm in sharing ones stats in helping another try to ascertain if they might be in a similar situation to make this request. Being as younf as you are you might find yourself in a bad credit situation one day and request help from some one. We all have been at a point where we might have had perfect credit but life happens. Humility is a trait worth fighting for. Just my humble opinion.

As an afterthought, look how many people youve inspiired to try this, think how many more might do so if you shared

Re: NFCU APR Reduction!

Anonymous — Thu, 06 Jul 2017 17:36:59 GMT

+1001 AJC

Re: NFCU APR Reduction!

Anonymous — Thu, 06 Jul 2017 18:00:45 GMT

I got the same message as smarzig. Looks like I have to wait the full year. :/ Wonder why they snuck OP through. Maybe his credit is THAT good?

@Anonymous wrote:
@Anonymous wrote:
TY I just emailed -em. I'll let you know how it goes!
What was your score and stats when you requested?
Navy Federal Response 07/05/2017 : Thank you for using Navy Federal's eMessaging Service, Mr. XXXX. We received your request to reduce the Annual Percentage Rate (APR) on your existing Platinum Visa account. Please note that your APR may be considered for reduction only once every twelve months from the date your account was opened, or from the date that your rate was last reduced. A review of your APR will be available on or after 01/XX/18. If you have further questions, please let us know.

Re: NFCU APR Reduction!

garagebandking — Thu, 06 Jul 2017 18:02:32 GMT

My platinum is about 8 months old and I got shot down with the 12 month response.

My flagship is at 10.74 and was opened in March 2017...the platinum is 13.74! Grrr

Re: NFCU APR Reduction!

Anonymous — Thu, 06 Jul 2017 18:05:39 GMT

Oh that would frustrate me unendingly. Lol.

@garagebandking wrote:
My platinum is about 8 months old and I got shot down with the 12 month response.

My flagship is at 10.74 and was opened in March 2017...the platinum is 13.74! Grrr