NFCU PLATINUM CARD

Anonymous · ‎08-10-2019

How does the NFCU Platinum card stack up against their other cards? I have their More Rewards AMX card.
They have a special deal on this card and a rep sent a request to his back office to have my Rewards card switched over to this card, no seperate application needed.

Anonymous · ‎08-10-2019

I believe it's a cool card because it offers the lowest apr possible, if you maybe plan to do a bt and not pay it off within x months.

Anonymous · ‎08-10-2019

What's a BT?

Peazmom · ‎08-10-2019

@Anonymous wrote:
What's a BT?

That’s a Balance Transfer 😀

Starting FICO 8 December 2017

FICO 8 as of 6/7/20

Sock Drawer:

Anonymous · ‎08-10-2019

@Peazmom wrote:
@Anonymous wrote:
What's a BT?
That’s a Balance Transfer 😀

and that typically means taking the balance from one of your higher apr cards and putting it on a new, lower apr card. at the end of the day, saving you a good chunk in interest. hope this helps!

AverageJoesCredit · ‎08-11-2019

Plats a great card. Having a low apr card can be great for bts or just carrying a balance when needed. Plus no worries about $25 or $50 spend redemptions

SouthJamaica · ‎08-11-2019

@Anonymous wrote:
How does the NFCU Platinum card stack up against their other cards? I have their More Rewards AMX card.
They have a special deal on this card and a rep sent a request to his back office to have my Rewards card switched over to this card, no seperate application needed.

It's one of my favorites.

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 25k

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

SEG-fenced credit union Platinum Visa 10500

Comenity AAA Travel Advantage Visa $6200

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 741200 (620700 reporting) FICO 8: EQ 703 TU 704 EX 687

Anonymous · ‎08-11-2019

I wouldn’t have switched to the Platinum card unless you have a balance to transfer from another financial institution. It comes with 0% for 12 months on balance transfers only and no rewards while the More Rewards comes with 1.99% for 6 months on purchases plus a $300 sign up bonus for $3K or spend in 90 days.

If you have a balance to move from another financial institution and it’s a fantastic card for that since you get 12 months to pay it off with no fees. They also offer 0-1.99% APR no fee balance transfers after the holidays are over each year to help everyone get their Christmas spending paid off from higher interest cards.

Anonymous · ‎08-12-2019

I'll let you know!

Anonymous · ‎08-12-2019

Great for no fee BTs w 0% APR for a year; as low as 8.24% after that