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NFCU CC Account Payments

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SFLSpotter9210
Valued Contributor

NFCU CC Account Payments

Has anyone noticed that if you make a big payment on your accounts that the following month it will say 00.00 is due? It's odd to me that they do this. None of my other lenders do this though. I spoke to a CSR and they stated that's their policy on larger payments. Now if you skip a payment you'll be required to make the minimum payment the following month. Hope everyone is staying safe and healthy. 

NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 9,400 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay Apple1k | Citi Rewards+ 12,100 | Citi Double Cash 14,800 | Citi Simplicity 7,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Discover 19,500 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 6,000 | Chevron 2,500 | Fico 8 Scores EQ=764 | EX=775 | TU=757scores and CL current as of 04/04/24 AAoA years 24 months | AoOA=18yrs
Message 1 of 7
6 REPLIES 6
jmos
Regular Contributor

Re: NFCU CC Account Payments

Hi. I did notice that and I would say that's another nice little perk of being in with NFCU!!

Message 2 of 7
Anonymous
Not applicable

Re: NFCU CC Account Payments

NFCU allows you to skip the next payment if you pay more than 2x your minimum. I think the lowest breakpoint found so far for it was 2.2x. 

https://ficoforums.myfico.com/t5/General-Credit-Topics/Criteria-for-Triggering-Navy-s-NFCU-Pay-Ahead...

It is a nice feature for people who need it but I question how useful it is when they don't offer it back to back even when you don't use it. Like I pay $50 a month towards my Platinum which only has a $20 minimum but it's always one month $0, one month $20. There is a 50% chance that if I needed to use it one month it wouldn't be available that month. 

Message 3 of 7
SFLSpotter9210
Valued Contributor

Re: NFCU CC Account Payments

Well NFCU is my daily driver so I pay big payments if not PIF every month so. 

NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 9,400 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay Apple1k | Citi Rewards+ 12,100 | Citi Double Cash 14,800 | Citi Simplicity 7,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Discover 19,500 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 6,000 | Chevron 2,500 | Fico 8 Scores EQ=764 | EX=775 | TU=757scores and CL current as of 04/04/24 AAoA years 24 months | AoOA=18yrs
Message 4 of 7
Anonymous
Not applicable

Re: NFCU CC Account Payments


@SFLSpotter9210 wrote:

Well NFCU is my daily driver so I pay big payments if not PIF every month so. 


I honestly just leave the BT on the Platinum and toss them less than a buck of interest each month to show some activity. It's only like $350 on there and I could pay that off any time but at 1.99%, meh. 

Message 5 of 7
Mv350
Valued Contributor

Re: NFCU CC Account Payments

I  was wondering why my minimum payment due was 0 dollars this month.

Message 6 of 7
Anonymous
Not applicable

Re: NFCU CC Account Payments

So THAT's why every statement I've gotten says 0.00 due, when clearly I always have a 50 or less balance on the card🤔.

Ok NFCU, I 👀 you're clearly aiming for my #1 spot😂!

Message 7 of 7
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