NFCU is really a joke to me!!!

[pizza1]

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@nrm wrote:
Though I don't like it but I just applied for Quicksilver and instantly approved for $18,600. I know there are many NFCU fans in this forum, but I'm done with them, personally! It's not just about this credit card that drives me nuts!

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If youre done then close it. I mean afterall you didnt get what you wanted right?  I love it when people just cast Navy to the side when they "think" they will get what they "deserve" and dont get it. If you'd just relax a bit and give it 4 months of statements, your card would probably be at $25k.  They are very good about CLI after 3-4 statements. I started with a $500 sl on a recon almost 3 years ago, and now at $22.5k. For my profile, I shouldnt even have half that limit! 

If youre too impatient to wait a few months for a nice bump, then close it. Personally, Navy is great, and Im a "fan".  All you have to do is send in a recon for the SL, and you'd probaly get it. They are recon friendly, but If I were you, I probably wouldnt have the attitude with them in the letter. Just simply state that you were "hoping for a little higher limit closer to what you have already", and see what they say. 

[IncrsCreditScore1]

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@nrm wrote:
Though I don't like it but I just applied for Quicksilver and instantly approved for $18,600. I know there are many NFCU fans in this forum, but I'm done with them, personally! It's not just about this credit card that drives me nuts!

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I am curious as to why you applied for the Quicksilver if you don't like it.

[Anonymous]

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@IncrsCreditScore wrote:

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@nrm wrote:
Though I don't like it but I just applied for Quicksilver and instantly approved for $18,600. I know there are many NFCU fans in this forum, but I'm done with them, personally! It's not just about this credit card that drives me nuts!

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I am curious as to why you applied for the Quicksilver if you don't like it.

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As they mentioned earlier, no foreign transaction fees.

[Anonymous]

If I were you I would stick with Navy or Penfed. I think cap one are a bunch of crooks

[Anonymous]

I've got Navy, PenFed and Cap-1
Why is Cap-1 a bunch of crooks (other than high APRs)
What makes you go there?

Again, I use Navy more but the 1.5% seems to work the same at Navy and Cap-1 just the same...

IMO their interface is the best of the 3 and their account alerts win hands down Navy's is one of their glaring weakness (of the very few they have because they are great)....

If their rates were better Cap-1 would get more business from me, for now it's smaller PIF items only because I don't want to chance any balance to their APR

[IncrsCreditScore1]

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@Anonymous wrote:

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@IncrsCreditScore wrote:

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@nrm wrote:
Though I don't like it but I just applied for Quicksilver and instantly approved for $18,600. I know there are many NFCU fans in this forum, but I'm done with them, personally! It's not just about this credit card that drives me nuts!

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I am curious as to why you applied for the Quicksilver if you don't like it.

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As they mentioned earlier, no foreign transaction fees.

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Didn't catch that about foreign transaction fees.  Thanks.

[Creditplz]

NFCU can be bipolar with their SL, they gave me 13.3k with a 660 at the time? And my DW $3300 with her 782?? She got a better APR though. All you can do is give them a call and recon SL

[CreditMagic7]

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@Creditplz wrote:
NFCU can be bipolar with their SL, they gave me 13.3k with a 660 at the time? And my DW $3300 with her 782?? She got a better APR though. All you can do is give them a call and recon SL

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Or as been suggested just sit things out for around 3-4 statement cuts and see how it goes on a CLI then.

[Chickenpotpie]

OP you got further with CapOne than I ever did.  They're the ones thats been in my wallet the longest, but they're also the ones that are getting thrown out of it too.  They'd laugh at me for asking for 18K (my current card with them is 3500?)  So I'm switching them out with NFCU (I got the platinum card because I prefered the lower rate) 

For whatever reason some banks work well with some people than others.  Maybe wait it out, you've already got the HP so, see where it gets you.  If you still don't like the card after 6-12 months, then get rid of it.

[Aduke1122]

Hey Pizza1 I reconned my approval last night with a SL of 500 , what did yours get to after 3 or 4 months for your first CLI?