NFCU PLATINUM CARD

[Aim_High]

The Platinum is a great card.  It's on my target list since it's with Navy Federal and has one of the lowest APRs you can find anywhere.  (I found a couple lower but they were with much smaller credit unions that are far away and that I don't do business with.)

I think everyone should keep one "low apr" card all the time just for when you know you won't be able to pay something off in full.  You can't always find a quick 0% transfer offer on an existing or new card.  (However, I would not recommend using this card for everyday spending you can PIF because you lose out on rewards.  But it is good to have as an option.)

[AverageJoesCredit]

Dilly Dilly! @Aim_High

[Anonymous]

Good card for BT(s) from other cards and super awesome low APR if you qualify for it. 

[SouthJamaica]

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@Anonymous wrote:

Good card for BT(s) from other cards and super awesome low APR if you qualify for it. 

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Every year you can request a review for a lower interest rate.

Mine was recently reduced to 9.24%, making it one of my lowest rate credit cards.

[Anonymous]

SJ, what was it previously? How much did they lower it?

[AverageJoesCredit]

From $300😆

[Anonymous]

I talked with NFCU yesterday and decided to keep my More Rewards card, I coukd have sworn when I read the Platinum card description and special that had it said 0% APR for 12 months but it was only for BT.

[SouthJamaica]

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@Anonymous wrote:
SJ, what was it previously? How much did they lower it?

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I think they lowered it by 2 points.

And they lowered my cash rewards card interest rate by about 5 points.

[Anonymous]

Some NFCU Rep left a voice message today saying she is still trying to get me the 0% APR for 12 months on the Platinum card instead of the 0% BT for 12 months, last I heard the otrher day they could not do that so I was going to keep my More Rewards card which has 1.99% APR for 6 month then 13% APR for purhcases after that.

The Platinum card they want me to switch to offers an 11% APR for purhcases, no annual fee of course or foreign fees but down side is no rewards or cash back. The More Rewards card has a $3,000/90 day deal for a bonus, little steep for me. Making monthly payments on that much would be like acar payment to me.

What do you think I should do if they approve the 0% APR for 12 months? It seems in the long run