@Anonymous wrote:Good Evening or Morning Everyone,
I am old to browsing the forums here but new as member and just had to share. So I recently began working on my credit but 3 years ago I applied for the NFCU nRewards which was a suggestion in one of the threads here with the hope that it would graduate and to this day it is still a secured card. Well the other day I was reading one of the NFCU card topics and a user mentioned they called NFCU to see if they were pre qualified for any other there cards. Long story short they were, applied and recieved a card. Seeing this inspired me I felt like what do I have to loose. I felt, I was not doing to bad. I did get a CLI on my QS card all though not what I expected after a year and CreditOne turned me down for CLI but gave me a new card go figure and some how the stars were in line and on Christmas VS while shoping for the ladies of the house gave me a card.
Ok back to NFCU well I mustard up the strength to call and see if I was pre qualified and surprising the CSR told me yes I was qualified for all there cards. I calmly said thank you while holding back my glee because everyone and I mean everyone has not pre approved or prequalified me for any card except the DiscoverIT secured card.
Well after hanging up I contemplated if this was real but I figured like I said earlier I have nothing to lose. I decided to pull the trigger on the NFCU More Rewards after comparing and I thought I believe this card is truely part of the AMEX card system unlike the one offered by CreditOne and would you know in my haste I selected the GO Rewards but would you know I was approved for $10,000 on the spot but immediatly got bummed out because I realized my mistake. So next morning I decided to call and see if I was still pre qualified because I had selected the wrong card and thought to roll the dice again. The CSR said I was still approved but I should wait and that did not sit well. Well today the stars were in my favor again I called another CSR with the same questions but this time I mentioned I had selected the wrong card and really wanted the NFCU More Rewards Amex because of its benefits on the AMEX network and low and behold he said the best phrase I have ever heard "YOU KNOW YOU CAN SELECT ANOTHER CARD SO LONG AS YOU ARE WITHIN 30 DAYS OF APPROVAL AND ARE QUALIFIED". Of course my response was really but I do not want to lose my CL. He assured me I would not lose my CL or have another HP on my credit and with in a 5 minutes I said so long to my GoRewards and Hello to my More Rewards.
Fun fact if I want I have 30 days to switch back if I like.
I am really glad and now if possible could someone explain what I may be doing wrong for CLIs or explain the 91/3 because I have one coming up in the near future.
I wouldnt switch back again in 30 days or you'll be put on the Navy bl!
Just kidding
@Anonymous
"You can apply for an APR reduction after each year anniversary."
I did not know this, thanks for the DP 
