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NFCU More Rewards

Brooklyn2018
Valued Contributor

Re: NFCU More Rewards

Nicely Done!!

 

...where i come from, that's called:

 

ForGetaBoutItSmiley Wink

 

IHeartNY

 

 





Goal Score: 600(within a year)**MET MY GOAL**
Goal Score: 700(by May/2021)>

Take the myFICO Fitness Challenge













Message 11 of 22
UH_HUH
Valued Contributor

Re: NFCU More Rewards

So you call in to fix a car loan issue

and fall into a $25,000.00 

Credit Card? Nice day to be you :-)

Enjoy your success,

Cheers

Message 12 of 22
Dalmus
Valued Contributor

Re: NFCU More Rewards


@UH_HUH wrote:

So you call in to fix a car loan issue

and fall into a $25,000.00 

Credit Card? Nice day to be you :-)

Enjoy your success,

Cheers


Yeah, that's pretty much it.  lol

 

Now I find myself in the insane position of any cards under $10K being up for consideration to close down.  My total available credit for majors is over $200K.  Way way way more than I need!

NFCU MR: $25K | Venture: $21K | Amex ED: $18K | NFCU CR: $18K | Amex BCE: $15K | IT #1: $17.5K | PNC Core: $15K | PPMC:  $12K | Wells Fargo: $11K | Savor: 12K | Cap1 QS: $8.5K | Barclays Rewards: $7.75K | IT #2: $7.3K | MLife: $9.5K | Sportsman's Guide: $8.7K | PenFed PR: $5.5K | Elan Plat: $2.3K | TRV: $3.6K | BotW: $3K


Current FICO 8 Scores: EQ: 828| TU: 805 | EX: 814


Message 13 of 22
Irocrcr
Established Member

Re: NFCU More Rewards

Congrats



Message 14 of 22
Pro-X
Frequent Contributor

Re: NFCU More Rewards

Congrats on your approval!!


Message 15 of 22
CA4Closure
Regular Contributor

Re: NFCU More Rewards

I am a new More Rewards AMEX card holder too with a $23,000 CLI. Just put $4,500 on the card today. Bought two first class air fare tickets on United to Hawaii for a business trip and hotel. I made my SUB of $300 just on one purchase but I will also put my trip expenses on this card like car rental, gasoline, food, etc. 

Message 16 of 22
VoltronM
Senior Contributor

Re: NFCU More Rewards

COngrats on your approval and monster Sl !!!

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 17 of 22
Aim_High
Senior Contributor

Re: NFCU More Rewards


@Dalmus wrote:

So I called in to NFCU to address an issue with my car loan,  ...

 ... she asks if I'd like to apply for the More Rewards card. 

My highest SL and lowest interest rate by far I've ever gotten!

  Congrats on the huge

$25K SL and 11.65% APR!

Enjoy your new card!

 

Happy_Dancing.gif

 

 



Length of Credit > 35 years; Total Credit Limits > $600K
AoOA > 28 years (Jun 1993); AoYA (Nov 2021)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 18 of 22
Aim_High
Senior Contributor

Re: NFCU More Rewards


@Dalmus wrote:  "...Now I find myself in the insane position of any cards under $10K being up for consideration to close down.  My total available credit for majors is over $200K.  Way way way more than I need!"


+1

Insane it may seem, but good thinking! Smiley Happy

That's how to leverage your total limits to higher approvals. 



Length of Credit > 35 years; Total Credit Limits > $600K
AoOA > 28 years (Jun 1993); AoYA (Nov 2021)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 19 of 22
Dalmus
Valued Contributor

Re: NFCU More Rewards


@Aim_High wrote:

@Dalmus wrote:  "...Now I find myself in the insane position of any cards under $10K being up for consideration to close down.  My total available credit for majors is over $200K.  Way way way more than I need!"


+1

Insane it may seem, but good thinking! Smiley Happy

That's how to leverage your total limits to higher approvals. 


4 years ago I never would have thought I'd be considering DROPPING $20K in credit lines.

 

Cards I'm thinking of dropping...

 

$1K - Cap1 Cabela's - Refuses to grow - but to be fair, never use it..

$2K - Cap1 Playstation - Going to Comenity anyway

$2.3K - Local bank branded Elan Platinum - no rewards

$6.8K - IT #2 - Only got the second to do the double cashback again.  The #1 is actually the newer account, so I might try combining #1 into #2 to keep the AAoA growing

$8.5K - Cap1 QS - I never use it because I use the 2% Venture for all my non category spending

 

NFCU MR: $25K | Venture: $21K | Amex ED: $18K | NFCU CR: $18K | Amex BCE: $15K | IT #1: $17.5K | PNC Core: $15K | PPMC:  $12K | Wells Fargo: $11K | Savor: 12K | Cap1 QS: $8.5K | Barclays Rewards: $7.75K | IT #2: $7.3K | MLife: $9.5K | Sportsman's Guide: $8.7K | PenFed PR: $5.5K | Elan Plat: $2.3K | TRV: $3.6K | BotW: $3K


Current FICO 8 Scores: EQ: 828| TU: 805 | EX: 814


Message 20 of 22
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