Targeted 2025 NFCU BT offers

[Amiblue]

New thread for 2025 on Navy Federal sending out targeted BT offers on existing cards. 

And Go!

[LaneM818]

Mother's Platinum. BT 0% 12 months via email on 1.2.25. My Platinum? NADA. . Neither of our CashRewards got an offer. 

[MileHigh96]

Got my email on the 2nd for my Go Rewards card. BT 0% for 12 months and no BT fee.

[UncleB]

I got an offer on my Cash Rewards Visa back in November... it was for 0.99% for a year with no fee, and the offer expired 12/31/24. 

While the 0% offer is better, I was afraid I'd miss out completely if I waited so I took the offer a few weeks ago.  For the amount of my BT the difference is minimal (around $10 total for the entire 12 months) so I'm OK with it.

[Windchill92]

@UncleB I got the 0% offer for my cashRewards+ last week...will definitely use it here in a month or 2. I guess NFCU is using their account review soft pulls to see if you have a large enough balance with another creditor?

Not sure how NFCU will make $$$ off of this if all pay the balance down before the 0% period ends.

[UncleB]

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@Windchill92 wrote:
@UncleBI got the 0% offer for my cashRewards+ last week...will definitely use it here in a month or 2. I guess NFCU is using their account review soft pulls to see if you have a large enough balance with another creditor?

Not sure how NFCU will make $$$ off of this if all pay the balance down before the 0% period ends.

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They'll not make much money at all from most of us on this site, but there are many people who won't be able to get their BT balance PIF before the promo runs out... NFCU will make plenty off those folks.

(Source:  I used to be one of those folks.)

[tcbofade]

No offers for me or DW. 

[BudC2]

Got my offer (0% for 12) last week on my More Rewards. I wish it had been my Platinum. 4% difference in interest rate if I didn't get the full balance paid in 12. I may do it in a couple months.

I've been trying to work out a plan for the last week or two. I've got about 6 months left on a 0 BT with BankAmericard and about 9 months left on the same with Citi Simplicity. I won't have either of those PIF by the time the promo periods end. I hate to lose the free months left on each but if I don't get PIF and I don't get a new card with sufficient balance I end up paying more in the end. I'd rather have my balances end up with Navy Fed because of the lower interest rates. I don't want to keep applying for new cards either because I'm one of those that believes there is such a thing as too much credit even if you know how not to use it. My outstanding balances are from wife's medical bills, a sewer repair and all new appliances in a 6 month period (not by choice). At least the 35 year old dryer is hanging in there.

[GZG]

no offers, but also no large balances either, I reckon the targeted offers require reported balances or am I just not lucky?

[crystal626]

They never give me these offers but we don't have the debt to take advantage of them anyway.