NFCU multiple Platinum cards?

[FirstAscent]

I currently have the NFCU Platinum Visa and considering applying for their CashRewards card, the reason is solely for a good balance transfer card, with hopefully another initial high CL, which looks to currently be the best option not including the Platinum card. 

right now I have a $28k CL on my platinum. Since this is for a balance transfer, it begs the question, can you get multiple Platinum cards?? I thought I saw on here where someone had a visa and MasterCard platinum, but could've been mistaken.

thanks for any info you all may have!! 

[thornback]

Yes.  You can have more than one.    I have two (both visas)  --   When you app, I think you have an option to select a visa or MC but I don't really remember, tbh.   

[AllZero]

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@FirstAscent wrote:

I currently have the NFCU Platinum Visa and considering applying for their CashRewards card, the reason is solely for a good balance transfer card, with hopefully another initial high CL, which looks to currently be the best option not including the Platinum card. 
apply

right now I have a $28k CL on my platinum. Since this is for a balance transfer, it begs the question, can you get multiple Platinum cards?? I thought I saw on here where someone had a visa and MasterCard platinum, but could've been mistaken.

thanks for any info you all may have!! 

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@FirstAscent  Yes, IIRC, one can apply for and obtain another Platinum NFCU card.

Cash Rewards does offer 1.99% APR BT promo. Something to consider once your BT is done with and if you want 1.5% cash back after the completion of the BT.

https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html

[AllZero]

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@thornback wrote:

Yes.  You can have more than one.    I have two (both visas)  --   When you app, I think you have an option to select a visa or MC but I don't really remember, tbh.   

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[FirstAscent]

Thanks guys!

do you happen to know if they weigh that any differently than applying for a different card offering?

and yes the 1.5% cash back is something to consider, but I also know the platinum has a potentially lower APR. pros and cons

@thornback did you get decent credit limits on both platinums? Or is one much higher? Of course I understand everyone's situation is different. 

[thornback]

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@FirstAscent wrote:

Thanks guys!

do you happen to know if they weigh that any differently than applying for a different card offering?

and yes the 1.5% cash back is something to consider, but I also know the platinum has a potentially lower APR. pros and cons

@thornback did you get decent credit limits on both platinums? Or is one much higher? Of course I understand everyone's situation is different. 

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Underwriting is the same for all cards except the Flagship because the minimum SL is 5k. 

Plat #1 had an SL of $4.9K

CLI at 91 days to $12.9K,  6 months later to $18K, and to $20K just 60 days ago (I only asked for a 2k increase). 

Plat #2 SL $22.2K,  asked for the 1st CLI 60 days ago to $24K when the card was 9 mo. old (again, only asked for $1.8K)

So yes, 2nd card had a way higher SL. But both of mine were approved with the lowest apr (5.99%)

[thornback]

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@AllZero wrote:

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@thornback wrote:

Yes.  You can have more than one.    I have two (both visas)  --   When you app, I think you have an option to select a visa or MC but I don't really remember, tbh.   

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Slow-rolling on mobile again... 😆 

[FirstAscent]

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@thornback wrote:

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@FirstAscent wrote:

Thanks guys!

do you happen to know if they weigh that any differently than applying for a different card offering?

and yes the 1.5% cash back is something to consider, but I also know the platinum has a potentially lower APR. pros and cons

@thornback did you get decent credit limits on both platinums? Or is one much higher? Of course I understand everyone's situation is different. 

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Underwriting is the same for all cards except the Flagship because the minimum SL is 5k. 

Plat #1 had an SL of $4.9K

CLI at 91 days to $12.9K,  6 months later to $18K, and to $20K just 60 days ago (I only asked for a 2k increase). 

Plat #2 SL $22.2K,  asked for the 1st CLI 60 days ago to $24K when the card was 9 mo. old (again, only asked for $1.8K)

So yes, 2nd card had a way higher SL. But both of mine were approved with the lowest apr (5.99%)

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Awesome thanks for the timeline. Now I feel better about apping for either another Platinum or the CashRewards. Made some big payments a couple days ago so will see the score impact beginning of next month then probably pull the trigger.

as always appreciate everyone's help, I love this forum! 

[thornback]

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@FirstAscent wrote:

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@thornback wrote:

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@FirstAscent wrote:

Thanks guys!

do you happen to know if they weigh that any differently than applying for a different card offering?

and yes the 1.5% cash back is something to consider, but I also know the platinum has a potentially lower APR. pros and cons

@thornback did you get decent credit limits on both platinums? Or is one much higher? Of course I understand everyone's situation is different. 

---

Underwriting is the same for all cards except the Flagship because the minimum SL is 5k. 

Plat #1 had an SL of $4.9K

CLI at 91 days to $12.9K,  6 months later to $18K, and to $20K just 60 days ago (I only asked for a 2k increase). 

Plat #2 SL $22.2K,  asked for the 1st CLI 60 days ago to $24K when the card was 9 mo. old (again, only asked for $1.8K)

So yes, 2nd card had a way higher SL. But both of mine were approved with the lowest apr (5.99%)

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Awesome thanks for the timeline. Now I feel better about apping for either another Platinum or the CashRewards. Made some big payments a couple days ago so will see the score impact beginning of next month then probably pull the trigger.

as always appreciate everyone's help, I love this forum! 

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YW and good luck! Keep us posted-- 

[Anonymous]

For real? That's something new to me. I think I am still getting offer from them but Id didn't pay attention to it.