topic Re: Nfcu flagship in Credit Cards

Nfcu flagship

kugel — Tue, 29 Aug 2017 19:07:50 GMT

Getting the flagship is harder than all other nfcu cards ?
I have the cash rewards card now a year and cloc with the 15k I tried 5 months ago and was declined for being at the max of nfcu
but my score changed since than was 672 now it's 695
My profile is 2 year post bk ,I have 7 other cards all with a at least 17k all zero utilization

Re: Nfcu flagship

Anonymous — Tue, 29 Aug 2017 19:12:08 GMT

@kugel wrote:
Getting the flagship is harder than all other nfcu cards ?
I have the cash rewards card now a year and cloc with the 15k I tried 5 months ago and was declined for being at the max of nfcu
but my score changed since than was 672 now it's 695
My profile is 2 year post bk ,I have 7 other cards all with a at least 17k all zero utilization

Curious, why do you want the Flagship. I have the card and other than when it has a large signup bonus, the card is not that useful. NFCU has better products like the Platinum card.

As for your question, it does have a bit higher underwriting standard than their other cards.

Re: Nfcu flagship

Anonymous — Tue, 29 Aug 2017 19:14:15 GMT

@kugel wrote:
Getting the flagship is harder than all other nfcu cards ?
I have the cash rewards card now a year and cloc with the 15k I tried 5 months ago and was declined for being at the max of nfcu
but my score changed since than was 672 now it's 695
My profile is 2 year post bk ,I have 7 other cards all with a at least 17k all zero utilization

Can you elaborate on that?

Re: Nfcu flagship

Anonymous — Tue, 29 Aug 2017 19:18:38 GMT

@Anonymous wrote:
@kugel wrote:
Getting the flagship is harder than all other nfcu cards ?
I have the cash rewards card now a year and cloc with the 15k I tried 5 months ago and was declined for being at the max of nfcu
but my score changed since than was 672 now it's 695
My profile is 2 year post bk ,I have 7 other cards all with a at least 17k all zero utilization
Can you elaborate on that?

Means that they didn't want to extend him more credit at the time.

Re: Nfcu flagship

kugel — Tue, 29 Aug 2017 19:32:15 GMT

Irish80 good point
I guess I'll see what the Amex will be and if not I'll go with the platinum does also come with large cl approvals ?

Re: Nfcu flagship

Anonymous — Tue, 29 Aug 2017 19:39:01 GMT

@kugel wrote:
Irish80 good point
I guess I'll see what the Amex will be and if not I'll go with the platinum does also come with large cl approvals ?

Generaly whatever limit that they would give you on one card will be the same for another, so yes.

Re: Nfcu flagship

UncleB — Tue, 29 Aug 2017 20:06:31 GMT

@Anonymous wrote:
@kugel wrote:
Irish80 good point
I guess I'll see what the Amex will be and if not I'll go with the platinum does also come with large cl approvals ?
Generaly whatever limit that they would give you on one card will be the same for another, so yes.

^^^ This exactly.

@kugel, if your Cash Rewards has a limit of at least $5k you can simply PC to the Flagship if you really want it... the qualification standards are the same. What makes the Flagship different is that the minimum credit line is $5k (i.e. if you don't qualify for at least a $5k credit line, you'll be declined). This is why the Flagship is usually not recommended if somebody thinks they might be borderline for a $5k approval.

If you PC they will also adjust your APR to reflect the rewards (or lack thereof if you PC to Platinum) of the new product.

Re: Nfcu flagship

Anonymous — Tue, 29 Aug 2017 23:19:52 GMT

I'm having a hard time figuring out what makes the Flagship appealing?

Re: Nfcu flagship

Anonymous — Tue, 29 Aug 2017 23:28:08 GMT

@Anonymous wrote:
I'm having a hard time figuring out what makes the Flagship appealing?

Well, it depends what other members are looking for, but 80K in CL on this card is not bad at all ! My opinion

Re: Nfcu flagship

kugel — Wed, 30 Aug 2017 00:32:46 GMT

The platinum is a 50k card ?

Re: Nfcu flagship

Anonymous — Wed, 25 Oct 2017 06:15:41 GMT

I’ve never applied for a NFCU CC even though I am a member. I’m interested in the Flagship, but in this thread it was said you have to qualify for a $5,000 CL or you will be denied. How would I know if I qualify for a $5,000 limit with them?

Re: Nfcu flagship

Anonymous — Wed, 25 Oct 2017 15:03:45 GMT

@Anonymous wrote:
I’ve never applied for a NFCU CC even though I am a member. I’m interested in the Flagship, but in this thread it was said you have to qualify for a $5,000 CL or you will be denied. How would I know if I qualify for a $5,000 limit with them?

Looking at your data I would say you qualify for more than 5k

Re: Nfcu flagship

Anonymous — Wed, 25 Oct 2017 15:09:00 GMT

@Anonymous wrote:
I’ve never applied for a NFCU CC even though I am a member. I’m interested in the Flagship, but in this thread it was said you have to qualify for a $5,000 CL or you will be denied. How would I know if I qualify for a $5,000 limit with them?

Curious. Why do you want the Flagship of all their cards? I had the card because when I applied it had a 40K points bonus (which it turns out isn’t worth much). All of the other NFCU cards offer better rewards and spending categories. This card is way overrated and you’d be better to look st some of their other products. That’s why I PCed to the Platinum card

Re: Nfcu flagship

Anonymous — Wed, 25 Oct 2017 15:09:45 GMT

@Anonymous wrote:
@Anonymous wrote:
I’ve never applied for a NFCU CC even though I am a member. I’m interested in the Flagship, but in this thread it was said you have to qualify for a $5,000 CL or you will be denied. How would I know if I qualify for a $5,000 limit with them?
Looking at your data I would say you qualify for more than 5k

Based on what data? Certainly not from their signature.

Re: Nfcu flagship

Anonymous — Wed, 25 Oct 2017 15:53:14 GMT

@Anonymous wrote:
@Anonymous wrote:
I’ve never applied for a NFCU CC even though I am a member. I’m interested in the Flagship, but in this thread it was said you have to qualify for a $5,000 CL or you will be denied. How would I know if I qualify for a $5,000 limit with them?
Curious. Why do you want the Flagship of all their cards? I had the card because when I applied it had a 40K points bonus (which it turns out isn’t worth much). All of the other NFCU cards offer better rewards and spending categories. This card is way overrated and you’d be better to look st some of their other products. That’s why I PCed to the Platinum card

I'm having a difficult time understanding how 1.5% cash back > 2% cash back (basically) when redeemed for travel, including airfare when purchsed directly with the airlines by way of NavyFed reimbursing the charge. I agree that the AMEX is better rewards-wise, but for those who'd rather have Visa acceptance, the Flagship is better in that regard. The GoRewards is the weakest of the NavyFed cards because you have to spend exclusively at overpriced restaurants to get a better rewards value than what the Flagship gives you. I don't like cards where the rewards expire either. If I want to build up my points for 5 years I can't on the GoRewards because they expire.

To summarize the only card that's better than the Flagship is their AMEX card, but AMEX isn't accepted eveywhere so there's even a downside to that card.

Re: Nfcu flagship

Anonymous — Wed, 25 Oct 2017 17:03:45 GMT

The Flagship Card has a 2% non-expiring reward and is accepted at more places than AMEX. Right now they are offering 30000 points if you spend $3000 in the first 90 days. Beyond that, I am especially interested in the benefits listed in their “additional benefits” tab. I already have an AMEX Card and am sometimes frustrated when a merchant tells me they don’t accept AMEX. I’m looking for a little more variety.