Navy Federal PC Flagship to Platinum

[Creditaddict]

Called Navy to PC my Flagship since my AF just hit and I don't even use the card so I went to Platinum Card since I was thinking "Just maybe" I would get a lower rate too.

I was right, I went from 15.49 to 12.99% with the conversion.

and she refunded the AF!

YAY NAVY!

[Anonymous]

That's awesome. Congrats 🎊

[Creditaddict]

This great APR reduction got me thinking about my Cash Rewards Card that wouldn't give me APR reduction just couple weeks ago so I called in currently at 15.05%.

I asked to switch to Platinum and she came back that the rate would actually go UP to 15.74%

UMM, NO!

They make no sense sometimes.

Loose cash back and apr go up.

and btw the cash rewards card is at $25k limit and is my oldest navy card!

Oh well, cancelled out and left things alone.

[Anonymous]

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@Creditaddict wrote:

Called Navy to PC my Flagship since my AF just hit and I don't even use the card so I went to Platinum Card since I was thinking "Just maybe" I would get a lower rate too.

I was right, I went from 15.49 to 12.99% with the conversion.

and she refunded the AF!

YAY NAVY!

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Congratulations!

[alextercero]

Congrats

[Country_Feller]

AWESOME, Congratulations!!!!

[Anonymous]

Congrats on the APR reduction!
Why do you have any cards with AF's? I would assume that between all of your cards you can get whatever you need!

[NYFan63]

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@Creditaddict wrote:

Called Navy to PC my Flagship since my AF just hit and I don't even use the card so I went to Platinum Card since I was thinking "Just maybe" I would get a lower rate too.

I was right, I went from 15.49 to 12.99% with the conversion.

and she refunded the AF!

YAY NAVY!

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Thanks CA - I just did the same - interest rate from 15.49 to 12.99%, CL stayed the same etc.

[pizza1]

Man I love them. Congrats

[Anonymous]

yupyup413 an AF doesn't mean it's a low tiered card.