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NFCU Auto-CLI Days Before I Planned to Request One?!?!?

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MarkintheHV
Frequent Contributor

Re: NFCU Auto-CLI Days Before I Planned to Request One?!?!?

They did the same thing to me, I took the advice and turned off auto cli.

Active Cards: AmEx BCP - $70k | NFCU Flagship Visa - 80k
Inactive Cards: Citi CCR MC - $43.5k | Citi AA World MC - $17.5k | Discover IT - $10k


Message 11 of 15
Fletcher2
Regular Contributor

Re: NFCU Auto-CLI Days Before I Planned to Request One?!?!?

It's a moot point for me now, as I made another mistake with this one...(falsely) assumed the BT 0% for a year was good for, well, a year...did not know you have to initiate said BT within the first 30 days to qualify for the 0%. 

 

I planned to move over a balance that changes from 0% to 6.9% next month for the remaining 9 months of my introductory rate from NFCU. Wrong answer. Woe is me (again). Smiley Sad

 

 

Message 12 of 15
SUPERSQUID
Valued Contributor

Re: NFCU Auto-CLI Days Before I Planned to Request One?!?!?


@Fletcher2 wrote:

It's a moot point for me now, as I made another mistake with this one...(falsely) assumed the BT 0% for a year was good for, well, a year...did not know you have to initiate said BT within the first 30 days to qualify for the 0%. 

 

I planned to move over a balance that changes from 0% to 6.9% next month for the remaining 9 months of my introductory rate from NFCU. Wrong answer. Woe is me (again). Smiley Sad

 

 


For some reason i'm thinking of that bugle noise that plays when debbie downer makes a statement, WHAAA WHAAA.

Seriously thank you for posting this stuff , i usually dont read the fine print well and would probably do the same.

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 5800 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4650, Penfed PCR signature visa 10k/ penfed gold 5600 /NFCU signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 55k
Total utilization above 50 pct.
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017
Message 13 of 15
zerofire
Valued Contributor

Re: NFCU Auto-CLI Days Before I Planned to Request One?!?!?

Yep always read the fine print. It explains how they will try to weasel out of their agreement if you try pushing it. Banks are even more willing to cancel contracts if you go outside the terms than insurance companies. They just are extra happy to approve if you follow what is written.

TU:816 12/19/24 Bank of America--EX: 809 01/03/25 Experian--EQ:836 01/06/25 myFICO--Gardening since N/A
Active:
Bank of America (Unlimited Cash Rewards WMC, Customized Cash Rewards WMC, Customized Cash Rewards VSC), Capital One Savor WEMC, Chase (Amazon Prime VSC, Freedom Flex WEMC [x2], Freedom Unlimited VC), Citi (Custom Cash WEMC, Dividend MC), Citizens GreenSense WMC, Curve WEMC(Suspended), Discover It C, FNBO Ducks Unlimited VSC, GBank VSC, PenFed (Platinum Rewards VSC, Pathfinder Rewards VSC), Santander Ultimate Cash Back WMC, Synchrony PayPal Cashback WMC, UMB Simply Rewards VC[Milford Federal], US Bank (Altitude Go VSC, Cash+ VSC [x2], Pick n Save/Metro Market WEMC)
Wishlist: AAA Daily Advantage, AOD Signature, Bellco Colorado Rewards, Nusenda Platinum Cash Rewards, PCMCU Platinum Rewards, Redstone FCU Signature
Message 14 of 15
SUPERSQUID
Valued Contributor

Re: NFCU Auto-CLI Days Before I Planned to Request One?!?!?


@Fletcher2 wrote:

It's a moot point for me now, as I made another mistake with this one...(falsely) assumed the BT 0% for a year was good for, well, a year...did not know you have to initiate said BT within the first 30 days to qualify for the 0%. 

 

I planned to move over a balance that changes from 0% to 6.9% next month for the remaining 9 months of my introductory rate from NFCU. Wrong answer. Woe is me (again). Smiley Sad

 

 


@Fletcher2 The bt offer i see at nfcu for the platinum card has to be initiated within *60 DAYS* not 30.

Do you have the platinum? If so and its under the current offer then its 60 days not 30.

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 5800 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4650, Penfed PCR signature visa 10k/ penfed gold 5600 /NFCU signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 55k
Total utilization above 50 pct.
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017
Message 15 of 15
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