NFCU Amex Master thread. All posts go here

[Anonymous]

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@wasCB14 wrote:

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@Anonymous wrote:

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@tcbofade wrote:

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@Anonymous wrote:

I'm not going to dig through 22 pages. Can the points from the Navy Amex be combined with the Go Rewards? 

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No.

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I think it's a dumb concept that they aren't all under the same rewards umbrella like the Citi TY cards or the AMEX cards. 

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Do all TYs pool? I read some earned from banking promos can't become miles.

AFAIK, NFCU doesn't have any cards with amazing rewards programs. I'd guess most members probably use one NFCU card (not two) and spend regularly on it, favoring simplicity and customer service over rewards. I can see the inconvenience when they don't pool, but I don't see it as a common complaint from their members, and wouldn't expect it to change soon.

On a related note, if someone has both cards and finds single-card redemptions inconvenient, that may be a sign of spreading spend too thinly.

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Yes they all pool, at least for the most part. You can even use your TY points earned from your cards to pay bills through bill pay on your checking account. 

[Anonymous]

My wife recently was approved for the NFCU Amex.

Stats:

2nd NFCU Card

Approved 92/3 of being approved for first card. (She was declined a CLI on her cashrewards which has a 4200 cl)

SL:  $15,000 APR:  15.99

Fico8:  TU: 679 Ex: 670 Eq: 639

Only baddies are 5+ year old late payments from student loans

UTI as reflected on reports:  53% (Holidays threw off the spending/budget but waiting for updates to post to cra's)

Household Income: 100k+

[stinastina]

Has anyone with  a bankruptcy been approved ? I know amex will deny apps unless the bk is at least 5 years old. I keep getting denied for this card.

[Jnbmom]

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@Anonymous wrote:

My wife recently was approved for the NFCU Amex.

Stats:

2nd NFCU Card

Approved 92/3 of being approved for first card. (She was declined a CLI on her cashrewards which has a 4200 cl)

SL:  $15,000 APR:  15.99

Fico8:  TU: 679 Ex: 670 Eq: 639

Only baddies are 5+ year old late payments from student loans

UTI as reflected on reports:  53% (Holidays threw off the spending/budget but waiting for updates to post to cra's)

Household Income: 100k+

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Congrats Seems second card is always higher SL. My 91 days is coming in july, hoping I get similiar results.

May I ask did they just pull one HP for CLI request and second card application? I love NFCU but know they are inquiry happy too.

[AverageJoesCredit]

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@stinastina wrote:

Has anyone with  a bankruptcy been approved ? I know amex will deny apps unless the bk is at least 5 years old. I keep getting denied for this card.

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That rule applies to the Amex by Centurian Bank , or as many say the "real"" Amex. This card just runs on the network. Not sure if weve seen anyone with BK approved for this card but being Navy I wouldnt say it was impossible.

[wit2bees]

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@stinastina wrote:

Has anyone with  a bankruptcy been approved ? I know amex will deny apps unless the bk is at least 5 years old. I keep getting denied for this card.

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@I was approved for the NFCU AMEX last week 10k @Anonymous% int.  My BK disch was 7/13.   I have two other NFCU's and a CLOC.  I also have a Delta AMEX approved in May for 1k.    My scores are Mid 600's and I have an insane amount of inquiries  

Hope this helps! 

[Anonymous]

Declined for a CLI on my Flagship but instant approved for a $12.8k NFCU Amex  

[wit2bees]

Does anyone know if they will be offereing a 0% bal transfer on this one? 

[stinastina]

Well, I just got approved for the Navy Amex with $15,000 starting limit. My net rest rate is 16.49%. I think some of my declines were due to TU being frozen. I think this AR Navy is being very generous.