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NFCU APR Reduction Request on Visa Signature Flagship

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Wavester64
Valued Contributor
‎05-22-2025 07:01 AM
‎05-22-2025 07:01 AM

NFCU APR Reduction Request on Visa Signature Flagship

I guess I am behind the times and have not been diligent with reading posts here on MyFico Smiley Happy

 

This was the response I got when I requested a APR reduction on this card (which currently is 14.4%)

 

"...Navy Federal no longer reviews post origination for reduction upon request. Please keep in mind that as federal credit union we don't currently charge more than 18% APR on our cards and our fees are low compared to the industry. We hope that you continue to find our card program(s) valuable. Please note, you are currently enjoying the lowest rate we are currently offering for this product. If you have further questions, please let us know..."






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coldfusion
Credit Mentor
‎05-22-2025 07:20 AM
‎05-22-2025 07:20 AM

Re: NFCU APR Reduction Request on Visa Signature Flagship

Someone else here went throgh this a couple of weeks ago.

 

https://ficoforums.myfico.com/t5/Credit-Cards/No-more-Navy-Federal-APR-reduction-request-allowed/m-p...

(7/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
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ptatohed
Senior Contributor
‎05-22-2025 08:26 AM
‎05-22-2025 08:26 AM

Re: NFCU APR Reduction Request on Visa Signature Flagship

Thread title should add 'Denied' after 'Request'
[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)
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portlandmusician
Regular Contributor
‎05-22-2025 12:03 PM
‎05-22-2025 12:03 PM

Re: NFCU APR Reduction Request on Visa Signature Flagship

@Wavester64 Plus, you're already at the lowest (they told you that). So, no way to lower it anyhow. New cards being issued, the lowest is 15.49%, so at least you're below that. 

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