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NFCU PLATINUM CARD

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Frequent Contributor

Re: NFCU PLATINUM CARD

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.)




Total Length of Credit = 31 years; AoOA (Currently open accounts) = 26+ years; AAoA = 9.5+ years; AoYA = less than 1 year (Aug 2019)
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Message 11 of 19
Community Leader
Super Contributor

Re: NFCU PLATINUM CARD

Dilly Dilly! @Aim_HighSmiley Wink
Charter Member of the Discover " No Cli For You " Club !

Chase Never/24 Squad Leader
Team Pendread Anonymous
#JustSayNo2Comenity
Officially S.O.G.O.T.P
Message 12 of 19
Valued Contributor

Re: NFCU PLATINUM CARD

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

Message 13 of 19
Super Contributor

Re: NFCU PLATINUM CARD


@Hasselfree wrote:

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


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.


7/31 FICO 8: EQ 751 TU 781 EX 748 Total revolving limits 713500 (592500 reporting)
Message 14 of 19
Valued Contributor

Re: NFCU PLATINUM CARD

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




Installment loan reported this month,so technically, I'm at 2 months, but AoYA points were NOT reset. When new CCs hit and it is reset, I'll put the number it is.+1,+2,+2(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated AUG 4, '19. Since then, 5 HP dings to add; will update again.
Message 15 of 19
Community Leader
Super Contributor

Re: NFCU PLATINUM CARD

From $300😆
Charter Member of the Discover " No Cli For You " Club !

Chase Never/24 Squad Leader
Team Pendread Anonymous
#JustSayNo2Comenity
Officially S.O.G.O.T.P
Message 16 of 19
Contributor

Re: NFCU PLATINUM CARD

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.

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Message 17 of 19
Super Contributor

Re: NFCU PLATINUM CARD


@Birdman7 wrote:
SJ, what was it previously? How much did they lower it?

I think they lowered it by 2 points.

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


7/31 FICO 8: EQ 751 TU 781 EX 748 Total revolving limits 713500 (592500 reporting)
Message 18 of 19
Contributor

Re: NFCU PLATINUM CARD

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


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Message 19 of 19
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