topic Re: NFCU Flagship APR in Credit Cards

NFCU Flagship APR

Duncanrr — Tue, 06 Nov 2012 15:13:17 GMT

I just received the following message letting me know of my approval and my APR. It says I'm "Prime Plus" at 11.74% (1.75% above their best rate of 9.99%). What is their max APR and how many steps above their best APR am I? (Im thinking Im one step removed from their best rates.

Re: NFCU Flagship APR

CS800 — Tue, 06 Nov 2012 15:29:20 GMT

I have the same rate as you on my Cash Reward card.

By the way looking at your cell signal, were you in an underground bomb shelter or something ?? lol

When I have 1 bar on 3G, safari barely pulls anything but then again you're on wifi.

Re: NFCU Flagship APR

Epcot — Tue, 06 Nov 2012 15:31:06 GMT

Looks like it was connected to Wi-Fi. Congrats on the CL and Rate!

Re: NFCU Flagship APR

Anonymous — Tue, 06 Nov 2012 15:39:33 GMT

Your prime plus 11.74 so your rate is 14.99

Re: NFCU Flagship APR

jsickz32 — Tue, 06 Nov 2012 15:43:15 GMT

I have 14.99 on both my cashRewards visa siggy and flagship

Re: NFCU Flagship APR

thrillege — Tue, 06 Nov 2012 15:58:59 GMT

Did you apply online or over the phone? Also what were your scores?

Re: NFCU Flagship APR

Duncanrr — Tue, 06 Nov 2012 16:01:29 GMT

Got it. Guess I didn't read the message correctly. Btw, what's the highest ICL y'all seen from nfcu? Where do their CL cap?

I applied on the phone and EQ was 662. I have a thread on here with all scores and CR info.

Re: NFCU Flagship APR

jsickz32 — Tue, 06 Nov 2012 16:02:08 GMT

Flagship max cl is 80k

Re: NFCU Flagship APR

CS800 — Tue, 06 Nov 2012 16:03:07 GMT

@Duncanrr wrote:
Got it. Guess I didn't read the message correctly. Btw, what's the highest ICL y'all seen from nfcu? Where do their CL cap?

I applied on the phone and EQ was 662. I have a thread on here with all scores and CR info.

I am at $30K CL on my Cash Reward.

From what I was told the Cash/Point cards max at $50K and the Flagship maxes at $80K

Re: NFCU Flagship APR

distantarray — Tue, 06 Nov 2012 16:13:28 GMT

the rates can go lower than the advertised rates, i got a couple percentage below =)

Re: NFCU Flagship APR

injustifiiable — Tue, 06 Nov 2012 16:21:52 GMT

Wow Duncan...bravo!

Re: NFCU Flagship APR

Creditaddict — Tue, 06 Nov 2012 17:15:01 GMT

@Duncanrr wrote:
I just received the following message letting me know of my approval and my APR. It says I'm "Prime Plus" at 11.74% (1.75% above their best rate of 9.99%). What is their max APR and how many steps above their best APR am I? (Im thinking Im one step removed from their best rates.

I don't understand when banks to the tier APR and approve a $25k line for middle APR but may approved a small $1-2k line at best rate? if you have almost what seems to be the ceiling for instant approvals of new credit cards, how can you not qualify for best APR??

My partner got instant $25k on Cash but he also got best APR 9.49 if not mistaken.

Re: NFCU Flagship APR

Duncanrr — Tue, 06 Nov 2012 17:27:39 GMT

My understanding is that the CL is more a factor of income while the APR is more a factor of credit score. Im happy with what I got and as I tend to not carry a balance the APR really doesnt matter much to me. Additionally, it gives me something to work towards In 6 months I'll ask for APR reduction. I really dont need any more CLI from them right now so will focus on that.

Re: NFCU Flagship APR

MsLadyRover — Tue, 06 Nov 2012 17:34:34 GMT

Such a beautiful email! Congrats again!

Re: NFCU Flagship APR

Duncanrr — Tue, 06 Nov 2012 17:42:55 GMT

Thanks.

P.S. my TU report finally updated today with ZERO balance on Walmart card. Not sure what my new score is but should be getting new Walmart FICO pretty soon.

Re: NFCU Flagship APR

Anonymous — Tue, 06 Nov 2012 20:32:12 GMT

does this card or any NFCU card come with zero interest promotion?