NFCU, wanting one card only

[CashBackQueen]

Hi all,
I've been seeing people say that your second NFCU card is the one that grows so to NOT app for the one you really want first, but I only want one card, the Cash Rewards. Will it really not grow that well? If I get a different card first, can I eventually combine it into the second card later?
Thanks in advance 😊

[Anonymous]

Get a cashRewards and at 91/3, ask for a CLI and see what happens. The thing is that NFCU normally won't approve more than 3x your limit when giving a CLI so a $1K approval will be $9K at the most 9 months later while a second card can start out at $10K+ right out of the gate. 

All NFCU cards grow if given enough time, a second card just gets those big limits faster. 

[Anonymous]

I’m the opposite. My first card is a Cash Rewards and started at $5k. 3 months later (this week) I asked for a 3X CLI and they countered at $12k as my new limit. I app’d for the Flagship and was declined. Used the same HP and was approved for the More Rewards at $500 SL which they won’t budge from. No worries as I know they will grow more.

[spiritcraft1]

You can product change, Visa to Visa for instance.  So after 6 months, if you get that second card with a higher limit you can shift around.  The Flagship is really a 2% cashback card (with a $49 fee after 1st year).  Depending on spend, that could make sense as that second card.

[Anonymous]

You aren't limited to having to pick a different card either. You can have 2 cashRewards if you want. 

I wouldn't discount the Platinum though -- having a low APR card to use for BTs of high interest balances to low interest as an option or for emergencies is always nice and it's hard to beat a low APR that has no BT fee for any transfers. 

[Shooting-For-800]

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@spiritcraft1 wrote:

You can product change, Visa to Visa for instance.  So after 6 months, if you get that second card with a higher limit you can shift around.  The Flagship is really a 2% cashback card (with a $49 fee after 1st year).  Depending on spend, that could make sense as that second card.

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How is flagship really a 2% card when you get 3% on travel?

[SlideOrInsert]

will grow if your DTI supports it.

I did not want a second card either and chose the platinum because the *rewards card mirror my bofa cash (3-2-1) and chase freedom unlimited (1.5).

12/31/18	joined nfcu
12/31/18	approved platinum to 6800, hard pull
04/06/19	cli to 16800, hard pull
10/05/19	cli to 25000, soft pull

[spiritcraft1]

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@Shooting-For-800 wrote:

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@spiritcraft1 wrote:

You can product change, Visa to Visa for instance.  So after 6 months, if you get that second card with a higher limit you can shift around.  The Flagship is really a 2% cashback card (with a $49 fee after 1st year).  Depending on spend, that could make sense as that second card.

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How is flagship really a 2% card when you get 3% on travel?

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2 points on "everything else".  I have earned over $1k in 9 months including the $500 bonus.

[Shooting-For-800]

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@spiritcraft1 wrote:

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@Shooting-For-800 wrote:

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@spiritcraft1 wrote:

You can product change, Visa to Visa for instance.  So after 6 months, if you get that second card with a higher limit you can shift around.  The Flagship is really a 2% cashback card (with a $49 fee after 1st year).  Depending on spend, that could make sense as that second card.

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How is flagship really a 2% card when you get 3% on travel?

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2 points on "everything else".  I have earned over $1k in 9 months including the $500 bonus.

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Yea, I know.  But its not just a 2% card.  Its an at least 2% card.   

[spiritcraft1]

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@Shooting-For-800 wrote:

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@spiritcraft1 wrote:

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@Shooting-For-800 wrote:

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@spiritcraft1 wrote:

You can product change, Visa to Visa for instance.  So after 6 months, if you get that second card with a higher limit you can shift around.  The Flagship is really a 2% cashback card (with a $49 fee after 1st year).  Depending on spend, that could make sense as that second card.

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How is flagship really a 2% card when you get 3% on travel?

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2 points on "everything else".  I have earned over $1k in 9 months including the $500 bonus.

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Yea, I know.  But its not just a 2% card.  Its an at least 2% card.   

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Yes it is.