NFCU Cash Reward Upgrade

[skyisthelimit]

My flagship is at 5k limit, won't know if they post a updated CLI for a few more months.  Are you saying you see your credit limit about the 5k?

[MsLadyRover]

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@skyisthelimit wrote:

My flagship is at 5k limit, won't know if they post a updated CLI for a few more months.  Are you saying you see your credit limit about the 5k?

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My Flagship limit is also 5K and that's what they report my limit as on my credit report eventhough it's a signature card.

[skyisthelimit]

MsLady, I belive this is what they are refering to the "5k limit".  There are other visa signature cards that have 5k-100k limits on the card with other banks but they only post the 5k limit onto your credit report, and I am not 100% sure how NFCU does it.  It is always the standard 5k on report due to that being the lowest visa signature starts.  This is PRIME TIME!

[ficojoe]

Are they including the extended warranty service in this new card? This is very exciting. Right now I have the cash rewards card for most purchases, but the platinum mastercard for times when I want the extended warranty on my purchase.

I've not got my letter yet, but my limit is over $5k, maybe it will come soon.

[improvingmycredit]

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@skyisthelimit wrote:

MsLady, I belive this is what they are refering to the "5k limit".  There are other visa signature cards that have 5k-100k limits on the card with other banks but they only post the 5k limit onto your credit report, and I am not 100% sure how NFCU does it.  It is always the standard 5k on report due to that being the lowest visa signature starts.  This is PRIME TIME!

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????   I don't think this is correct.  Some companies that offer the VISA Sig don't report a limit at all because it's a NPSL card.  My understanding is that NFCU does infact report the limit.  

[CS800]

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@MsLadyRover wrote:

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@skyisthelimit wrote:

My flagship is at 5k limit, won't know if they post a updated CLI for a few more months.  Are you saying you see your credit limit about the 5k?

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My Flagship limit is also 5K and that's what they report my limit as on my credit report eventhough it's a signature card.

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Thanks good to know

[bichonmom]

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@MsLadyRover wrote:

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@CS800 wrote:

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@llecs wrote:

Both DW and I have separate accounts ($5k and $25k) and we both got the same upgrade. Question: do we really want this to happen? 

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I was thinking the same thing. A Sig mean that it most likely wont report the CL so you could lose the total CL in the FICO calculation. I know my BOA Signature doesnt report my CL. That's one thing I wouldn't like.

Anyone knows if Navy Sig reports the CL?

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Yes.  My Flagship Visa Signature reports my limit.

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I forgot about that since my Barclay's MC reports the CL (can't recall the MC version of Visa Sig). Thank goodness Navy does, too!

[CS800]

Wonder if someone has to be with them for X amount of time to get this offer?

[bichonmom]

I joined last June and got my CC in Oct/Nov. So, it has been less than a year for me.

[ficojoe]

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@CS800 wrote:

Wonder if someone has to be with them for X amount of time to get this offer?

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Maybe, my cashRewards card is less than 2 months old, no upgrade yet.