Navy Federal

[josie]

On  January 17th 2020 I was a approved for Navy nrewards card graduated on August 20th to the cash rewards which at that time changed it to the gorewards. Sent an e-message last week to change it to the Flagship which was confirmed that it was in process. This morning called csr to find out if I qualify for a rate reduction. I have gone from 18% apr to 14%. I have carried a balance twice. When i brought a desiel generator last summer for four months and this summer a refrigerator for two months that I paid off last week.

Thanks everyone for posting your experiences. I'm reading and learning from everyone's post.

[M_Smart007]

Congratulations 🎊 🎉

[Rebuild2019]

Congratulations on your APR reduction.

[tcbofade]

Thank you so much for posting...  you reminded me to call as well! 

I got rates reduced on all three NFCU cards. 

[cashorcharge]

That's terrific!  Congrats!!

[FinStar]

---

@tcbofade wrote:

Thank you so much for posting...  you reminded me to call as well! 

I got rates reduced on all three NFCU cards. 

---

All in one phone call?  Way to go @tcbofade.  I always assumed folks did via SM 🤷🏼‍♂️

[josie]

Hi I have been saying this forum is for us to help each other out. I don't think I would of gotten to this point without reading what others have posted. Even though I don't post much you have let me know my once in awhile post matters.

[Anonymous]

I was approved for cash rewards for 7k when I applied for nrewards secured I put 5k in. Did you request graduation to go rewards or was that automatic? 

---

@josie wrote:

On  January 17th 2020 I was a approved for Navy nrewards card graduated on August 20th to the cash rewards which at that time changed it to the gorewards. Sent an e-message last week to change it to the Flagship which was confirmed that it was in process. This morning called csr to find out if I qualify for a rate reduction. I have gone from 18% apr to 14%. I have carried a balance twice. When i brought a desiel generator last summer for four months and this summer a refrigerator for two months that I paid off last week.

Thanks everyone for posting your experiences. I'm reading and learning from everyone's post.

---

[josie]

---

@Anonymous wrote:

I was approved for cash rewards for 7k when I applied for nrewards secured I put 5k in. Did you request graduation to go rewards or was that automatic? 

---

@josie wrote:

On  January 17th 2020 I was a approved for Navy nrewards card graduated on August 20th to the cash rewards which at that time changed it to the gorewards. Sent an e-message last week to change it to the Flagship which was confirmed that it was in process. This morning called csr to find out if I qualify for a rate reduction. I have gone from 18% apr to 14%. I have carried a balance twice. When i brought a desiel generator last summer for four months and this summer a refrigerator for two months that I paid off last week.

Thanks everyone for posting your experiences. I'm reading and learning from everyone's post.

---

---

It graduated to the cash rewards I asked to have it converted to the go rewards.