topic Re: PC to Flagship in Credit Cards

PC to Flagship

NoMoreE46 — Thu, 23 Jan 2025 18:48:56 GMT

I got my NFCU More Rewards on Jan 20, 2024 with the goal to PC to the Flagship.

Last month, I called about a PC- Agent reaffirmed that you have to wait a year.

Yesterday, I was able to PC via Chat.

Looking forward to annual Amazon Prime fee reimbursement. This should
net me $90 after the AF.

Re: PC to Flagship

Aim_High — Thu, 23 Jan 2025 19:52:11 GMT

Nice, @NoMoreE46. But didn't you think a new app for FSR was worth it for the juicy SUB? That's the best SUB NFCU typically offers, currently worth 35K points or $350.

Either way, enjoy your new card!

Re: PC to Flagship

ptatohed — Thu, 23 Jan 2025 22:24:21 GMT

Yeah, the Welcome Bonus is stellar like A_H said. Mine is actually $400! I am very close to getting my $400 after $3500 spend.

Plus, I want more people to keep the More Rewards so they can report whether they get a second free year of Walmart+ or not! lol

Re: PC to Flagship

UncleB — Fri, 24 Jan 2025 08:52:24 GMT

@NoMoreE46 wrote:
I got my NFCU More Rewards on Jan 20, 2024 with the goal to PC to the Flagship.
Last month, I called about a PC- Agent reaffirmed that you have to wait a year.

Yesterday, I was able to PC via Chat.

Looking forward to annual Amazon Prime fee reimbursement. This should
net me $90 after the AF.

Ha, I made a phone call for the same purpose just a few hours ago myself!

I'm waiting for my message/notification that the APR will increase, and the rep said once I respond to that in the affirmative the change should be complete in 2-3 days. (I don't know why she couldn't just confirm the new rate with me on the phone while we were doing everything else, but as long as it works I don't care.)

I'm hopeful the Amazon Prime reimbursement will work for me as well! (At least for a year, hopefully longer.) My Prime renews next month so I don't have long to wait.

Re: PC to Flagship

NoMoreE46 — Fri, 24 Jan 2025 15:01:37 GMT

@Aim_High wrote:
Nice, @NoMoreE46. But didn't you think a new app for FSR was worth it for the juicy SUB? That's the best SUB NFCU typically offers, currently worth 35K points or $350.

Either way, enjoy your new card!

Thanks but I have reached my max jugglage of cards despite FSR and juicy SUB.

So far, I have closed my BankAmericard ($18k) and Elan affiliated business card ($10k).

My Penfed ($15k) and Target Circle

($13k) cards are also slated for closure.

Re: PC to Flagship

NoMoreE46 — Fri, 24 Jan 2025 15:07:03 GMT

@ptatohed wrote:
Yeah, the Welcome Bonus is stellar like A_H said. Mine is actually $400! I am very close to getting my $400 after $3500 spend.

Plus, I want more people to keep the More Rewards so they can report whether they get a second free year of Walmart+ or not! lol

Good point about the WMT + @ptatohed. However, I wasnt willing to gamble on this.

(I have an offer locked in from my

Amex Gold that pays back $49 of the $98 fee.)

Re: PC to Flagship

NoMoreE46 — Fri, 24 Jan 2025 15:22:09 GMT

@UncleB wrote:
@NoMoreE46 wrote:
I got my NFCU More Rewards on Jan 20, 2024 with the goal to PC to the Flagship.
Last month, I called about a PC- Agent reaffirmed that you have to wait a year.

Yesterday, I was able to PC via Chat.

Looking forward to annual Amazon Prime fee reimbursement. This should
net me $90 after the AF.

Ha, I made a phone call for the same purpose just a few hours ago myself!

I'm waiting for my message/notification that the APR will increase, and the rep said once I respond to that in the affirmative the change should be complete in 2-3 days. (I don't know why she couldn't just confirm the new rate with me on the phone while we were doing everything else, but as long as it works I don't care.)

I'm hopeful the Amazon Prime reimbursement will work for me as well! (At least for a year, hopefully longer.) My Prime renews next month so I don't have long to wait.

So the PC process seems to be faster via Chat.

PS, my card logo updated the next morning to the FS.

My Prime fee hits in May.

Re: PC to Flagship

CreditCuriosity — Sat, 25 Jan 2025 03:29:54 GMT

Ya did the same thing PC'ed my platinum and closed cash rewards to flagship a year ago for prime membership to be paid and come out ahead was at 80k between my other two cards wit h them now making my way back to it one more CLI and be at 80k as didn't bother to ask them to move limits and just took the 50k limit from platinum and build it up from there at 74k atm. Hoping they eventually do a bit of refresh on the card as other no af card is 2% although still as you mentioned coming out on top with Prime. Make sure you set it as you default for Prime membership. When I did it a year ago was a quick phone call and told me APR on phone whatever the lowest is for card at time and believe showed up new image next day if not mistaken and got card obviously in mail a week later or something

Re: PC to Flagship

UncleB — Fri, 24 Jan 2025 21:43:59 GMT

@NoMoreE46 wrote:
@Aim_High wrote:
Nice, @NoMoreE46. But didn't you think a new app for FSR was worth it for the juicy SUB? That's the best SUB NFCU typically offers, currently worth 35K points or $350.

Either way, enjoy your new card!

Thanks but I have reached my max jugglage of cards despite FSR and juicy SUB.

So far, I have closed my BankAmericard ($18k) and Elan affiliated business card ($10k).
My Penfed ($15k) and Target Circle
($13k) cards are also slated for closure.

I considered the bonus as well, but I'd have to close an existing NFCU card (I already have three) before I could apply out-right for the Flagship. That's not really an issue in itself, but the accounts I'd consider closing are older (my newest NFCU card is carrying a BT at the moment) and I'd rather just hang on to them at this point.

There's also the matter of the spend requirement... last month it would have been doable, but this being post-holidays I'm in austerity mode (LOL) so hitting the $3500 spend in 90 days would be tricky.

I earned two bonuses from NFCU (GoRewards and Cash Rewards) so I'm not mad about missing out on the bonus for the Flagship. In any case, if the credit for Amazon works out I'll still feel like I came out ahead.

Re: PC to Flagship

UncleB — Fri, 24 Jan 2025 21:50:48 GMT

@NoMoreE46 wrote:
@UncleB wrote:
@NoMoreE46 wrote:
I got my NFCU More Rewards on Jan 20, 2024 with the goal to PC to the Flagship.
Last month, I called about a PC- Agent reaffirmed that you have to wait a year.

Yesterday, I was able to PC via Chat.

Looking forward to annual Amazon Prime fee reimbursement. This should
net me $90 after the AF.

Ha, I made a phone call for the same purpose just a few hours ago myself!

I'm waiting for my message/notification that the APR will increase, and the rep said once I respond to that in the affirmative the change should be complete in 2-3 days. (I don't know why she couldn't just confirm the new rate with me on the phone while we were doing everything else, but as long as it works I don't care.)

I'm hopeful the Amazon Prime reimbursement will work for me as well! (At least for a year, hopefully longer.) My Prime renews next month so I don't have long to wait.

So the PC process seems to be faster via Chat.
PS, my card logo updated the next morning to the FS.
My Prime fee hits in May.

It looks like that's definitely the case. For what it's worth my rep was extremely pleasant, so no complaints there.

I had heard about the back-and-forth via chat, so I figured by calling they'd be able to ask me all the pertinent questions at once and just be done with it, but I was mistaken.

I just replied back to the chat message a little bit ago (I think I did it right, we'll see I guess). It's weird, I didn't get an email that I had a message... I just checked, and it was there. Had I not been expecting it, I never would have known. I guess I need to check my settings.

Hopefully mine will be updated overnight as well. (There's really no urgency for me, but I just want to see it finished.) My Prime fee hits on 2/24 so I'll have another data point for us in a few weeks.

Re: PC to Flagship

Aim_High — Sun, 26 Jan 2025 20:11:41 GMT

@NoMoreE46 wrote:
@Aim_High wrote:
Nice, @NoMoreE46. But didn't you think a new app for FSR was worth it for the juicy SUB?
Thanks but I have reached my max jugglage of cards despite FSR and juicy SUB.
So far, I have closed my BankAmericard ($18k) and Elan affiliated business card ($10k).
My Penfed ($15k) and Target Circle
($13k) cards are also slated for closure.

jugglage

Creative, but descriptive!

So, after closing BofA, Elan, PenFed, and Target, how many cards will remain, @NoMoreE46?

And what will be your new spending/rewards strategy going forward?

Re: PC to Flagship

NoMoreE46 — Mon, 27 Jan 2025 03:26:42 GMT

@Aim_High wrote:@NoMoreE46 wrote:
@Aim_High wrote:
Nice, @NoMoreE46. But didn't you think a new app for FSR was worth it for the juicy SUB?
Thanks but I have reached my max jugglage of cards despite FSR and juicy SUB.
So far, I have closed my BankAmericard ($18k) and Elan affiliated business card ($10k).
My Penfed ($15k) and Target Circle
($13k) cards are also slated for closure.
jugglage
Creative, but descriptive!

So, after closing BofA, Elan, PenFed, and Target, how many cards will remain, @NoMoreE46?
And what will be your new spending/rewards strategy going forward?

Thanks for inquiring @Aim_High. So after the closure of the four, I will be at 17 with a TCL a tiny bit > $400,000.

The current setup (we dont always strictly adhere to everything as such):

Groceries at Neighborhood Walmart - Amex BCP

Amazon.com - Chase Prime card

Amazon.com - Amex Business Prime

Groceries at Publix - Custom Cash

Fuel - 2nd Custom Cash

Home improvement - Lowes (AU)

Utilities - USB Cash + (AU)

Rotating - Discover

Dining - Savor

Dining- Amex Gold

All else - Apple card/Apple Pay

**All else - USB Smartly (** Evaluating for the 4% tier)

The CL for the above 12 cards = $260,000.

While these 5 buy some bubblegum cards below = $140,000:

PNC Points

Barclays Rewards

QuickSilver

WF Active Cash

WF Autograph

Re: PC to Flagship

UncleB — Wed, 29 Jan 2025 09:23:58 GMT

@UncleB wrote:
@NoMoreE46 wrote:
@UncleB wrote:
@NoMoreE46 wrote:
I got my NFCU More Rewards on Jan 20, 2024 with the goal to PC to the Flagship.
Last month, I called about a PC- Agent reaffirmed that you have to wait a year.

Yesterday, I was able to PC via Chat.

Looking forward to annual Amazon Prime fee reimbursement. This should
net me $90 after the AF.
Ha, I made a phone call for the same purpose just a few hours ago myself!

I'm waiting for my message/notification that the APR will increase, and the rep said once I respond to that in the affirmative the change should be complete in 2-3 days. (I don't know why she couldn't just confirm the new rate with me on the phone while we were doing everything else, but as long as it works I don't care.)

I'm hopeful the Amazon Prime reimbursement will work for me as well! (At least for a year, hopefully longer.) My Prime renews next month so I don't have long to wait.

So the PC process seems to be faster via Chat.
PS, my card logo updated the next morning to the FS.
My Prime fee hits in May.

It looks like that's definitely the case. For what it's worth my rep was extremely pleasant, so no complaints there.

I had heard about the back-and-forth via chat, so I figured by calling they'd be able to ask me all the pertinent questions at once and just be done with it, but I was mistaken.

I just replied back to the chat message a little bit ago (I think I did it right, we'll see I guess). It's weird, I didn't get an email that I had a message... I just checked, and it was there. Had I not been expecting it, I never would have known. I guess I need to check my settings.

Hopefully mine will be updated overnight as well. (There's really no urgency for me, but I just want to see it finished.) My Prime fee hits on 2/24 so I'll have another data point for us in a few weeks.

For what it's worth, my PC completed yesterday (apparently they don't do PC stuff on weekends) and I'm now the proud owner of a Flagship Visa Signature card.

My card number didn't change but I'm waiting on the new plastic before adding the card to Amazon. I know the existing card/CVV still works for purchases but I want to use the new CVV with Amazon to remove all variables from the 'experiment'.

In a few weeks when the Prime fee hits I'll circle back and share what happens. Fingers crossed!

Re: PC to Flagship

UncleB — Thu, 06 Feb 2025 03:01:24 GMT

@UncleB wrote:
My card number didn't change but I'm waiting on the new plastic before adding the card to Amazon. I know the existing card/CVV still works for purchases but I want to use the new CVV with Amazon to remove all variables from the 'experiment'.

Turns out I didn't need to wait after all... my new card arrived today, and the expiration and CVV are the same as the old card. I went ahead and followed the activation instructions anyway out of an abundance of caution (possibly something with the chip was different? I dunno).

Anyway, when I added the card to Amazon the artwork downloaded was for the Flagship so apparently my PC is complete (it's not going to take months like some banks <cough> U.S. Bank <cough>).

I'll circle-back after my Prime fee hits in a few weeks to report what happens.

Apologies for the hijack, @NoMoreE46. This has been a very informative thread!

Re: PC to Flagship

coldfusion — Thu, 06 Feb 2025 13:09:27 GMT

@UncleB wrote:
apparently my PC is complete (it's not going to take months like some banks <cough> U.S. Bank <cough>).

For a millisecond as I was reading this sentence I was thinking BoA...until I read the Socks Bank mention lol

Re: PC to Flagship

NoMoreE46 — Thu, 06 Feb 2025 18:53:29 GMT

My PC was from the More Rewards Amex so no chance of keeping the same set of numbers.

@UncleB

Did you notice that the stated Cash Advance Limit is listed as a Percentage vs the typical assigned dollar amount?

and Cheers to being informative!

Re: PC to Flagship

UncleB — Thu, 06 Feb 2025 19:40:08 GMT

@NoMoreE46 wrote:

@UncleB
Did you notice that the stated Cash Advance Limit is listed as a Percentage vs the typical assigned dollar amount?

Yep, mine was the same!

Re: PC to Flagship

UncleB — Thu, 27 Feb 2025 03:37:06 GMT

Alright, my Prime membership fee completely posted to my Flagship card last night... now for the wait to see if I'm one of the lucky ones! <fingers crossed>

Re: PC to Flagship

coldfusion — Thu, 27 Feb 2025 14:47:51 GMT

@UncleB wrote:
Alright, my Prime membership fee completely posted to my Flagship card last night... now for the wait to see if I'm one of the lucky ones! <fingers crossed>

Be sure to follow up...inquiring minds want to know....

Re: PC to Flagship

ptatohed — Thu, 27 Feb 2025 18:26:43 GMT

^^^^

I agree with fusion. The more times I read that the prime membership is creditied beyond the first year, the warmer and the fuzzier I feel!

It's too early to know, but I am dying to see if, perhaps, the More Rewards might continue to credit Walmart+ subscriptions year after year.