myFICO® Forums
Help
cancel
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for 
Search instead for 
Did you mean: 

NFCU Flagship question

tag
Get Access Now
NeverTubetheGoose
Regular Contributor
‎10-25-2021 04:14 AM
‎10-25-2021 04:14 AM

NFCU Flagship question

I have two questions about the Flagship card and a question about the gorewards card.

 

1. I know the Flagship card is a bit more difficult to get than the others. I've been with Navy for about a year and a half. Use my cashRewards card as my daily driver and never carry a balance (pay it off daily). I use my goRewards card for gas and pay it off immediately. I would like to get the FS. Can I PC over to the FS or do I have to apply? My current FICO8 is 683 and FICO9 (from Navy) is 719. Going through the rebulding over the last two years, I have about 9 HPs. I have a car loan with Navy that is about 65% paid off. I recently applied for a mortgage refi with them but was denied due to the bk. Would it be worth calling and seeing if I can PC or just apply?

 

2. The FS has a pretty good SUB right now. If I PC, do I still qualify for it?

 

3. When I look at the cash back rewards on my goRewards it gives two dollar ranges, $50-400 and $500-1000. Is there any reason they separate it like that?

BK7 filed 5/19/19, discharged 9/20/19 (lesson learned, some people aren't meant to be business owners and should stick to their day job, some people is me)




Total Available: $93,000
Goal: the Delta Platinum Reserve AmEx, Marriott Brilliance AmEx, Marriott Bonvoy Business AmEx
Labels:
Message 1 of 11
0 Kudos
10 REPLIES 10
BearsCubsOtters
Frequent Contributor
‎10-25-2021 04:34 AM
‎10-25-2021 04:34 AM

Re: NFCU Flagship question

@NeverTubetheGoose wrote:

I have two questions about the Flagship card and a question about the gorewards card.

 

1. I know the Flagship card is a bit more difficult to get than the others. I've been with Navy for about a year and a half. Use my cashRewards card as my daily driver and never carry a balance (pay it off daily). I use my goRewards card for gas and pay it off immediately. I would like to get the FS. Can I PC over to the FS or do I have to apply? My current FICO8 is 683 and FICO9 (from Navy) is 719. Going through the rebulding over the last two years, I have about 9 HPs. I have a car loan with Navy that is about 65% paid off. I recently applied for a mortgage refi with them but was denied due to the bk. Would it be worth calling and seeing if I can PC or just apply? Yes, you can PC but then you lose sign-up bonus

 

2. The FS has a pretty good SUB right now. If I PC, do I still qualify for it? No, if you PC, you will not earn the sign-up bonus

 

3. When I look at the cash back rewards on my goRewards it gives two dollar ranges, $50-400 and $500-1000. Is there any reason they separate it like that? I will have to let someone else answer this. I am not familiar with the GoRewards card.

 

Message 2 of 11
NeverTubetheGoose
Regular Contributor
‎10-25-2021 04:51 AM
‎10-25-2021 04:51 AM

Re: NFCU Flagship question

Thanks for the answers. I guess that leads to a follow up question. Does Navy allow 3 of their cards?

BK7 filed 5/19/19, discharged 9/20/19 (lesson learned, some people aren't meant to be business owners and should stick to their day job, some people is me)




Total Available: $93,000
Goal: the Delta Platinum Reserve AmEx, Marriott Brilliance AmEx, Marriott Bonvoy Business AmEx
Message 3 of 11
5KRunner
Frequent Contributor
‎10-25-2021 05:21 AM
‎10-25-2021 05:21 AM

Re: NFCU Flagship question

@NeverTubetheGoose wrote:

Thanks for the answers. I guess that leads to a follow up question. Does Navy allow 3 of their cards?

Yes... I recently canceled my NFCU Platinum, but before that, I had 3 of their cards.

Message 4 of 11
0 Kudos
coldfusion
Credit Mentor
‎10-25-2021 05:23 AM
‎10-25-2021 05:23 AM

Re: NFCU Flagship question

@NeverTubetheGoose wrote:

Thanks for the answers. I guess that leads to a follow up question. Does Navy allow 3 of their cards?

Yes - 3 is the maximum and over the last several years a number of people here have reported doing it.     At one point here it was kind of a running joke here to get a NFCU trifecta

(7/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 5 of 11
NeverTubetheGoose
Regular Contributor
‎10-25-2021 05:27 AM
‎10-25-2021 05:27 AM

Re: NFCU Flagship question

Lol, I would be happy to have just the flagship card and cancel the other two. Any idea if it makes a difference that my last CLI was less than 6 months ago?

BK7 filed 5/19/19, discharged 9/20/19 (lesson learned, some people aren't meant to be business owners and should stick to their day job, some people is me)




Total Available: $93,000
Goal: the Delta Platinum Reserve AmEx, Marriott Brilliance AmEx, Marriott Bonvoy Business AmEx
Message 6 of 11
0 Kudos
rostrow416
Established Contributor
‎10-25-2021 05:38 AM
‎10-25-2021 05:38 AM

Re: NFCU Flagship question

You can only product change a card thats been open at least a year.

AMEX Gold | Purdue FCU $20,000 | FNBO Evergreen $15,000 | TFCU Plat Visa $15,000 | PenFed Platinum Rewards $15,000 | PenFed Pathfinder $15,000 | Citizen's Bank Cash Back+ $15,000 | Synchrony Premier MC $10,000 | SG Visa $10,000 | NFCU MoreRewards $7,000 | NFCU cashRewards $17,000 | Discover IT $6,000 | Capital One BuyPower $950 | AMEX BCP $5,000 | AMEX Amazon Prime Business $3,000

B&H Payboo Card $15,000 | Amazon Prime Card $10,000 | PC Richard Card $15,000 | Target RedCard $2,000 | Walmart Store Card $1,400 | Shell Gas Card $1,200 | Overstock Store Card $7,000 | Kohl's Store Card $3,000


Spring Cleaning:
C̶a̶p̶i̶t̶a̶l̶ ̶O̶n̶e̶ ̶Q̶u̶i̶c̶k̶S̶i̶l̶v̶e̶r̶ ̶$̶1̶,̶0̶0̶0̶ | C̶r̶e̶d̶i̶t̶ ̶O̶n̶e̶ ̶V̶i̶s̶a̶ ̶$̶1̶,̶2̶0̶0̶ | M̶e̶r̶r̶i̶c̶k̶ ̶B̶a̶n̶k̶ ̶$̶2̶,̶7̶0̶0̶ | M̶a̶r̶v̶e̶l̶ ̶M̶a̶s̶t̶e̶r̶c̶a̶r̶d̶ ̶$̶1̶,̶̶2̶0̶0̶ | C̶o̶m̶e̶n̶i̶t̶y̶ ̶M̶a̶s̶t̶e̶r̶C̶a̶r̶d̶ ̶$̶1̶,̶1̶8̶0̶
Message 7 of 11
0 Kudos
coldfusion
Credit Mentor
‎10-25-2021 05:38 AM
‎10-25-2021 05:38 AM

Re: NFCU Flagship question

@NeverTubetheGoose wrote:

Lol, I would be happy to have just the flagship card and cancel the other two. Any idea if it makes a difference that my last CLI was less than 6 months ago?

Only in the context of their being willing to extend you at least another $5K worth of credit to meet the mininum SL for the Flagship.

(7/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 8 of 11
coldfusion
Credit Mentor
‎10-25-2021 05:44 AM
‎10-25-2021 05:44 AM

Re: NFCU Flagship question

@rostrow416 wrote:

You can only product change a card thats been open at least a year.

The legal restriction only applies if the intended target has a higher AF than the current card, so you are correct that you can't PC to a Flagship if your current non-AF card is less than a year old.     NFCU will however at least sometimes PC a just-activated non-AF card to another one and occasionally we have a member here reporting they've successfully done it.

 

(7/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 9 of 11
NeverTubetheGoose
Regular Contributor
‎10-25-2021 06:58 AM
‎10-25-2021 06:58 AM

Re: NFCU Flagship question

I just pulled the trigger and got approved. $22k at 13.49% Thank you all for the information.

BK7 filed 5/19/19, discharged 9/20/19 (lesson learned, some people aren't meant to be business owners and should stick to their day job, some people is me)




Total Available: $93,000
Goal: the Delta Platinum Reserve AmEx, Marriott Brilliance AmEx, Marriott Bonvoy Business AmEx
Message 10 of 11
† Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.