@Anonymous wrote:No Hp, very simple if you have a clean payment record with them and at least 5k on the Cash Rewards they will do the product change
I have a great payment history with them. but i have the nrRewards card (6k CL) . Ive had it for 13 months with no CLIs-- ive been too scared to ask lol. my util is reporting at 40% right now (& has been there for 3 months) but its really 9%. does that factor into their decision?
Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012 
I dont believe that util is a factor in the upgrade. (I may be wrong but I have not heard of that being a factor)
As long as you have a good pay history with them and a CL over 5000, you can request a PC to a Visa Signature. No HP. No hassle.
Starting Score: EX: 570 EQ: 520 TU 602
@Anonymous wrote:Its NFCU ! There underwriting is completly diffrent than other lenders. If you dont burn them they will give you what you need as long as your demands are not outrageous. As far as I know they will do a product change no matter what for you. In fact I am about to give them a call to do a product change with them so let me see what happens.
Thanks for the input. *sits down quiet to anxiously await an update*