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NFCU Cards

JSF1
Valued Member

NFCU Cards

Hi All, 

 

I currently have two NFCU Go Rewards cards (one started off as a secured card). I'm looking to transfer/upgrade (not sure if this is the correct term) one of the cards to the Signature Flagship card. How would I go about doing so? One limit is 7k and the other is 25k. Which one should I upgrade? Does it matter? I'm NOT asking for a CLI only wanting to upgrade one of the cards. 

TIA

Message 1 of 9
8 REPLIES 8
GatoradeZeroGuy
Established Contributor

Re: NFCU Cards


@JSF1 wrote:

Hi All, 

 

I currently have two NFCU Go Rewards cards (one started off as a secured card). I'm looking to transfer/upgrade (not sure if this is the correct term) one of the cards to the Signature Flagship card. How would I go about doing so? One limit is 7k and the other is 25k. Which one should I upgrade? Does it matter? I'm NOT asking for a CLI only wanting to upgrade one of the cards. 

TIA


assuming you've had the cards for over a year, all you have to do is ask them

 

"Can I product change my GO Rewards ending in 5555 with a CL of 25,000 to the Flagship Rewards card pls?"

 

call, SM, chat even. 

 

Upgrade the 25k one, naturally. But either can be upgraded since they're over 5k. 

Starting FICO 8s

Current FICO 8s

Current FICO 9s

2/6, 6/12, 6/24


Message 2 of 9
JSF1
Valued Member

Re: NFCU Cards

@GatoradeZeroGuy Yes, I've had both for a few years now. Great, I'll ask for the change tomorrow! Thank you! 

Message 3 of 9
Lurker22
Frequent Contributor

Re: NFCU Cards


@JSF1 wrote:

@GatoradeZeroGuy Yes, I've had both for a few years now. Great, I'll ask for the change tomorrow! Thank you! 


I did it a couple weeks ago, simple phone call asking for a PC is all it took - card was immediately upgraded and a new one was in the mail (able to use the old one until the new one arrived)

Message 4 of 9
sznthescore
Established Contributor

Re: NFCU Cards


@GatoradeZeroGuy wrote:

@JSF1 wrote:

Hi All, 

 

I currently have two NFCU Go Rewards cards (one started off as a secured card). I'm looking to transfer/upgrade (not sure if this is the correct term) one of the cards to the Signature Flagship card. How would I go about doing so? One limit is 7k and the other is 25k. Which one should I upgrade? Does it matter? I'm NOT asking for a CLI only wanting to upgrade one of the cards. 

TIA


assuming you've had the cards for over a year, all you have to do is ask them

 

"Can I product change my GO Rewards ending in 5555 with a CL of 25,000 to the Flagship Rewards card pls?"

 

call, SM, chat even. 

 

Upgrade the 25k one, naturally. But either can be upgraded since they're over 5k. 


^^^^ This. I didn't mine via chat yesterday.





*Officially in the garden 3/2023.
Goal: FICO 700+; (0) zero inquiries (4/2025).
Message 5 of 9
TMDSCT
Regular Contributor

Re: NFCU Cards

You're so lucky, I wish I could get into NFCU, but I have no points of entry :-( 

Message 6 of 9
_ptatohed
Established Contributor

Re: NFCU Cards


@TMDSCT wrote:

You're so lucky, I wish I could get into NFCU, but I have no points of entry :-( 


The relationship list is pretty broad.  Not sure if any of these apply to you.  I am not military but my grandfather and brother were in the Army.  

 

  • Parents
  • Grandparents
  • Spouses
  • Siblings
  • Children (including adopted and stepchildren)
  • Grandchildren
  • Household members

 

https://www.navyfederal.org/membership/eligibility.html

 

 

5% CB rotating: ; Everyday 3% CB: ; Everyday 5%: ; Companion Card: ; Everyday 2.2% CB: ; Retired to sock drawer after AOD: ; On my radar: ; No hope:
Message 7 of 9
MileHigh96
Frequent Contributor

Re: NFCU Cards


@_ptatohed wrote:

@TMDSCT wrote:

You're so lucky, I wish I could get into NFCU, but I have no points of entry :-( 


The relationship list is pretty broad.  Not sure if any of these apply to you.  I am not military but my grandfather and brother were in the Army.  

 

  • Parents
  • Grandparents
  • Spouses
  • Siblings
  • Children (including adopted and stepchildren)
  • Grandchildren
  • Household members

 

https://www.navyfederal.org/membership/eligibility.html

 

 


Yup, I'm not military either but was able to get in because my dad was in the Air Force.  He passed before I was able to join and he was never a member of NFCU, but I was able to get his military records from the government (now that took a long time...) and after I got the records to prove he was ex-military, I was able to become a member.

BK7 discharged - 06JUL2021
Loans:

Revolving Accounts:

Closed accounts:
Message 8 of 9
TRC_WA
Senior Contributor

Re: NFCU Cards


@MileHigh96 wrote:

not military either but was able to get in because my dad was in the Air Force.  He passed before I was able to join and he was never a member of NFCU, but I was able to get his military records from the government (now that took a long time...) and after I got the records to prove he was ex-military, I was able to become a member.

@MileHigh96 

 

Both my parents were military and I have their DD214's... but NFCU has never once asked for it since I joined almost a year ago.  I joined over the phone and it seems like it's more of an honor system...although I do have the proof if they ever ask.

BK 13 filed : 2-28-17 BK 13 discharged : 3-22-22
FICO8 current as of : 6-1-23 EQ: 674 TU: 663 EX: 669
Hard INQs last 12 months: EQ: 5 | TU: 9 | EX: 5
WF Platinum $1000 WF Reflect $6000 Verizon Visa $4000 Ollo MC $4000
Mission Lane Visa $1850 Credit One Platinum x5 $3000 Credit One Wander $1700 Upgrade Visa $2000
PenFed Gold Visa $2500 Amex Delta Gold $10,000 Care Credit $8000 Petal 1 Visa $2900 Cap One QS $500
NFCU CashRewards $2000 Apple Card $1500 Best Buy $2000 Amazon $2800
Wells Fargo auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $37k 6.79%
Total CL: $54,750 --- Total CC UTI: 14% --- AAoA: 12.5 years --- Income: $100k
Last CC app: 6-8-23
Message 9 of 9
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