@M_Smart007 wrote:
@coldfusion wrote:
Already having $77K in aggregate CL means that they would either have to PC one of their existing cards (no SUB) or see if NFCU would go along with a bit of handwaving by doing something like first decreasing the limit by at least $2K on a current card just before an application is submitted for the Flagship. Technically it's possible to go over the $80K cap but examples of it being done without a later "oops we goofed so we fixed that" adjustment are rare.
@coldfusion, Spot on as usual ^^^^^^
I was going to say CLD first.
@Janneman,
The $49 AF on the Flagship is pretty cheap, compared to other AF cards.
I Would only do it, if needed the HIGH SL and could maximise the benefits of the card?
Fees
- $49 annual fee1
- No balance transfer fees
- No foreign transaction fees
- No cash advance fees
Rewards
- 3X points on travel2
- 2X points on everything else
- Receive statement credits (up to $100) for Global Entry or TSA Pre✓®
- Plus, you’ll get a year of free Amazon Prime®3 (a $139 value)—on us.
ETA: Also would like to note; There are times that NFCU offers a 0% promotional balance transfer at the beginning of the year, that they don't always offer on The Platinum. But it is not guaranteed every year. Having a card with 80K CL and a 0% BT offer can be quite nice.
You are so right, but its just my personal opinion not to have this much limit on one card especially from the same lender if lender does offer to distribute full credit limit on their multiple cards...because if something goes wrong with one card then whole CL would be restricted. I was trying to get this card a few months back, but got denied even though I have only one card with them for many many years...but not interested anymore...but since then have been trying to raise my internal score with them thru pledged loan, CD, Money Market, checking, savings and direct depositing to pitch next card...
