I was approved for the NFCU Platinum Card on April 28th at 14.99%.
I knew I wanted to do a PC and tonight I called NFCU Customer Service to change to the More Rewards AMEX Card. To my surprise, my interest rate DROPPED to 11.99% when I changed cards (but will always PIF 
)!
With 3X the points on gas, transits, restaurants, and supermarkets and 1X the points on everything else it was a no brainer for me! Don't leave money on the table!
Now to let this one grow and earn that cash back!! #lovenfcu
Congratulations on your approval, product change anf APR reduction!
@kidink1911 wrote:I was approved for the NFCU Platinum Card on April 28th at 14.99%.
I knew I wanted to do a PC and tonight I called NFCU Customer Service to change to the More Rewards AMEX Card. To my surprise, my interest rate DROPPED to 11.99% when I changed cards (but will always PIF
With 3X the points on gas, transits, restaurants, and supermarkets and 1X the points on everything else it was a no brainer for me! Don't leave money on the table!
Now to let this one grow and earn that cash back!! #lovenfcu
I also got the platinum at 14.99 around the same time as you. I really can't see myself using it very much because i have lots of cards with points and cash back which is a much better reason to use a credit card. I don't want to PC to the Amex though, I have 3 amexes through Amex directly that I don't use enough as it is. Some places I go to don't accept Amex and it's frustrating where visa/MasterCard is accepted pretty much everywhere world wide. I also have a secured nfcu card that will possibly convert to cash rewards in a couple months so probably not wise to pc to that.
But congrats for you!!! I didn't know you could PC so quickly like that. Did they tell you before/while on the phone that your interest rate dropped or did you notice online?