NFCU Platinum Visa Approved

Anonymous · ‎09-14-2018

So I reached the 91/3 with my nRewards Secured Card with NFCU and decided to try for an unsecured card with them. I went for the Platinum as hopefully just getting a foot in the door and was approved for SL of $1,000 with a 12.74% APR. Now my real question is it worth it to PC to the cashRewards Visa with an APR of 14.48% and because its a product change, I assume I won't be eligible for the current offers they have with that card. Appreciate all feedback.

19eighty5 · ‎09-14-2018

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

Anonymous · ‎09-14-2018

Congrats on your approval!

Anonymous · ‎09-14-2018

Congrats on your Platinum approval! Its nice to be in with the Navy!

Anonymous · ‎09-15-2018

@Anonymous wrote:
Congrats on your Platinum approval! Its nice to be in with the Navy!

Thank you everyone. Does anyone think I should do a product change to the cashRewards? That's the one I really wanted but wanted to make sure I could get in at least.

UncleB · ‎09-16-2018

@Anonymous wrote:
@Anonymous wrote:
Congrats on your Platinum approval! Its nice to be in with the Navy!
Thank you everyone. Does anyone think I should do a product change to the cashRewards? That's the one I really wanted but wanted to make sure I could get in at least.

If that's the card you acutally want then you should.

P.S. The NFCU Platinum card has the exact same underwriting as the cashRewards.