topic Re: NFCU Successful PC in Credit Cards

NFCU Successful PC

PicoFico — Mon, 14 Dec 2020 15:21:52 GMT

Hey everyone,

I just called in to NFCU to PC my Cash Rewards@9.65 to Platinum.

The system re-rolls your APR based on internal algorithms (according to rep) and you can then accept or decline offer. No HP.

It came back 5.99% 👍.

Edit: I first tried using chat, and they came back saying it was possible, but to use phone or secured messaging, FYI.

Re: NFCU Successful PC

blindambition — Mon, 14 Dec 2020 15:23:14 GMT

Lowest APR... Sweet!!! Congrats on the PC!! Nicely done!!

Re: NFCU Successful PC

AllZero — Mon, 14 Dec 2020 15:58:50 GMT

Congratulations on your PC and APR reduction!

Re: NFCU Successful PC

adelphi_sky — Mon, 14 Dec 2020 17:20:00 GMT

@PicoFico wrote:
Hey everyone,

I just called in to NFCU to PC my Cash Rewards@9.65 to Platinum.

The system re-rolls your APR based on internal algorithms (according to rep) and you can then accept or decline offer. No HP.

It came back 5.99% 👍.

Edit: I first tried using chat, and they came back saying it was possible, but to use phone or secured messaging, FYI.

I'd like to get some of that action. I have no NFCU cards. Platinum would be my first. I have scores in the 790s. No rush. But seeing someone get a 5.99% APR is inticing right about now.

Re: NFCU Successful PC

cashorcharge — Mon, 14 Dec 2020 19:53:44 GMT

That's great! Congratulations on your approval!!

Re: NFCU Successful PC

JNA1 — Mon, 14 Dec 2020 21:38:06 GMT

@adelphi_sky wrote:
@PicoFico wrote:
Hey everyone,

I just called in to NFCU to PC my Cash Rewards@9.65 to Platinum.

The system re-rolls your APR based on internal algorithms (according to rep) and you can then accept or decline offer. No HP.

It came back 5.99% 👍.

Edit: I first tried using chat, and they came back saying it was possible, but to use phone or secured messaging, FYI.
I'd like to get some of that action. I have no NFCU cards. Platinum would be my first. I have scores in the 790s. No rush. But seeing someone get a 5.99% APR is inticing right about now.

I just got the same offer this weekend. They did mine through chat. They tell you what your APR will be before you have to decide.

Re: NFCU Successful PC

M_Smart007 — Mon, 14 Dec 2020 21:35:53 GMT

Congrats on your Plat. PC and 5.99% APR

Re: NFCU Successful PC

Loquat — Mon, 14 Dec 2020 22:31:43 GMT

Nicely done and that’s a sweet APR if you ever have the need to carry a balance.

Re: NFCU Successful PC

1GaDawg85 — Mon, 14 Dec 2020 22:33:40 GMT

When I pay off my balance of the CR card, I might just pop over and ask them to PC mine to a platinum card

Re: NFCU Successful PC

Mr_Mojo_Risin — Mon, 14 Dec 2020 22:48:31 GMT

Congrats on the PC!! Thats an outstanding APR!

I like that they tell you what your APR will be before accepting!

Re: NFCU Successful PC

raisemysc0re — Tue, 15 Dec 2020 00:24:45 GMT

I have their Platinum card @ the rate of 5.99% and it is great to have a low interest card but since I usually do not carry a balance outside of a 0% promotion it is not very useful. Especially since it carries no rewards. So, this card is for a specific need and will never be anybody's everyday card.

I'm not knocking NFCU at all for this(nothing but love for them), just pointing it out.

Re: NFCU Successful PC

PicoFico — Tue, 15 Dec 2020 02:47:57 GMT

@raisemysc0re wrote:
I have their Platinum card @ the rate of 5.99% and it is great to have a low interest card but since I usually do not carry a balance outside of a 0% promotion it is not very useful. Especially since it carries no rewards. So, this card is for a specific need and will never be anybody's everyday card.
I'm not knocking NFCU at all for this(nothing but love for them), just pointing it out.

For me, it doesn't seem all that advantageous when more rewards and flagship are in the line up. Secondly, I'm considering penfed's cash back in March maybe. Lastly, though, there comes periods of time where I can put 5-15k on a card for a couple of months before it's paid off. It seems to pair best for me, imo, but I also can switch back up to 30 days later with no penalties (cash rewards@9.65) supposedly.

Flagship is essentially 2% cash back, so low APR to cover all angles? Idk...

Re: NFCU Successful PC

Anonymous — Tue, 15 Dec 2020 03:54:25 GMT

Sweet!

Re: NFCU Successful PC

JNA1 — Tue, 15 Dec 2020 12:46:33 GMT

@PicoFico wrote:
@raisemysc0re wrote:
I have their Platinum card @ the rate of 5.99% and it is great to have a low interest card but since I usually do not carry a balance outside of a 0% promotion it is not very useful. Especially since it carries no rewards. So, this card is for a specific need and will never be anybody's everyday card.
I'm not knocking NFCU at all for this(nothing but love for them), just pointing it out.
For me, it doesn't seem all that advantageous when more rewards and flagship are in the line up. Secondly, I'm considering penfed's cash back in March maybe. Lastly, though, there comes periods of time where I can put 5-15k on a card for a couple of months before it's paid off. It seems to pair best for me, imo, but I also can switch back up to 30 days later with no penalties (cash rewards@9.65) supposedly.

Flagship is essentially 2% cash back, so low APR to cover all angles? Idk...

For me, it boiled down to me having the AOD Signature card that earns 3% on all purchases, and not really needing the More Rewards card. I have some home improvement projects in the spring that will be a decent chunk of money, but will also be something I can pay off in 4 or 5 months. The 0% intro APR on all my cards have ended, so to avoid any interest, I'd have to pay for it with cash or get a new card (which I'm trying to avoid for now). I decided I'd rather put it on a low APR card and pay interest for a 4 or 5 months. The ARP on this card is as good or better than most personal loans, so I don't paying 5.99% for a few months. Putting it on one my rewards cards doesn't make sense because the APR on all of them except AOD negate any rewards earnings, but my AOD's card limit is currently too small to put the charge on.

I basically got the 5.99% Platinum to use as a de facto short term personal loan to keep from pulling the money out of my savings.

Re: NFCU Successful PC

adelphi_sky — Tue, 15 Dec 2020 12:54:30 GMT

I went ahead and pulled the trigger. Got a $25k SL @ 10.99%. While I don't plan on using that APR, I will use their 0% BT offer and then ask for an APR reduction after 12 months.

Re: NFCU Successful PC

adelphi_sky — Tue, 15 Dec 2020 12:59:01 GMT

@JNA1 wrote:
@PicoFico wrote:
@raisemysc0re wrote:
I have their Platinum card @ the rate of 5.99% and it is great to have a low interest card but since I usually do not carry a balance outside of a 0% promotion it is not very useful. Especially since it carries no rewards. So, this card is for a specific need and will never be anybody's everyday card.
I'm not knocking NFCU at all for this(nothing but love for them), just pointing it out.
For me, it doesn't seem all that advantageous when more rewards and flagship are in the line up. Secondly, I'm considering penfed's cash back in March maybe. Lastly, though, there comes periods of time where I can put 5-15k on a card for a couple of months before it's paid off. It seems to pair best for me, imo, but I also can switch back up to 30 days later with no penalties (cash rewards@9.65) supposedly.

Flagship is essentially 2% cash back, so low APR to cover all angles? Idk...

For me, it boiled down to me having the AOD Signature card that earns 3% on all purchases, and not really needing the More Rewards card. I have some home improvement projects in the spring that will be a decent chunk of money, but will also be something I can pay off in 4 or 5 months. The 0% intro APR on all my cards have ended, so to avoid any interest, I'd have to pay for it with cash or get a new card (which I'm trying to avoid for now). I decided I'd rather put it on a low APR card and pay interest for a 4 or 5 months. The ARP on this card is as good or better than most personal loans, so I don't paying 5.99% for a few months. Putting it on one my rewards cards doesn't make sense because the APR on all of them except AOD negate any rewards earnings, but my AOD's card limit is currently too small to put the charge on.

I basically got the 5.99% Platinum to use as a de facto short term personal loan to keep from pulling the money out of my savings.

That's what I basically want to use it for. 5.99% is almost HELOC/HELOAN territory. Even better if you are offered 0% transfers after each payoff.