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With the increases in the prime rate, my NFCU Flagship Rewards is up to 10.99% but is my personal lowest CU card and my Citi Diamond Preferred is up to 12.99% but is my personal lowest bank card. I'm assuming that if I did a PC to the NFCU Platinum card, my APR would be 6.99%, but I got the Flagship hoping for the $80k credit line so no plans to change it yet.
Of the open cards in my current cc collection, the lowest APR I have among them would be the 5.49% F card that I have with BEFCU.
@galahad15 wrote:Of the open cards in my current cc collection, the lowest APR I have among them would be the 5.49% F card that I have with BEFCU.
Trade you two cards for that bad boy lol.
At the moment it's my new CU card from Penfed at 9.49%, bank card it's probably my AMEX BCE at 12.9% I think I would have to check that. Do plan to app for a NFCU card sometime soon so depending on my choice I might get a new lower APR card but debating on that. Have to say it's been hard to pick a card from their lineup.
@simplynoir wrote:At the moment it's my new CU card from Penfed at 9.49%, bank card it's probably my AMEX BCE at 12.9% I think I would have to check that. Do plan to app for a NFCU card sometime soon so depending on my choice I might get a new lower APR card but debating on that. Have to say it's been hard to pick a card from their lineup.
I would grab the Plat from them with your scores you will certainly get the 6.99% apr. Pretty hard to beat that! That is where navy showed their size when they lowered the plat from I believe 8.99 or 9.99 to 6.99.
@CreditCuriousity wrote:
@simplynoir wrote:At the moment it's my new CU card from Penfed at 9.49%, bank card it's probably my AMEX BCE at 12.9% I think I would have to check that. Do plan to app for a NFCU card sometime soon so depending on my choice I might get a new lower APR card but debating on that. Have to say it's been hard to pick a card from their lineup.
I would grab the Plat from them with your scores you will certainly get the 6.99% apr. Pretty hard to beat that! That is where navy showed their size when they lowered the plat from I believe 8.99 or 9.99 to 6.99.
Assuming I do that does Penfed do PCs or do I not even bother with that? I do plan to get another Penfed card down the road so maybe I'll just leave it as is. With NFCU some people have luck with getting 2 cards initially (multiple HPs but I can live with that) so I guess it depends on what I want other than the Platinum card.
@simplynoir wrote:
@CreditCuriousity wrote:
@simplynoir wrote:At the moment it's my new CU card from Penfed at 9.49%, bank card it's probably my AMEX BCE at 12.9% I think I would have to check that. Do plan to app for a NFCU card sometime soon so depending on my choice I might get a new lower APR card but debating on that. Have to say it's been hard to pick a card from their lineup.
I would grab the Plat from them with your scores you will certainly get the 6.99% apr. Pretty hard to beat that! That is where navy showed their size when they lowered the plat from I believe 8.99 or 9.99 to 6.99.
Assuming I do that does Penfed do PCs or do I not even bother with that? I do plan to get another Penfed card down the road so maybe I'll just leave it as is. With NFCU some people have luck with getting 2 cards initially (multiple HPs but I can live with that) so I guess it depends on what I want other than the Platinum card.
PenFed doesn't do PC's from my expereince with them although others might have better luck although love my 2% card from them at 35k. Although they do move CL's around for a person if you applied for another card and needed it moved wouldn't be an issue.
W/regards to NFCU I would wait 3 months/3 statements prior to applying for two navy cards at once as alot better chance of approval and saving a HP. Others might have different thoughts, but just mine personally. Have 2 Navy cards at 25k each now. First one started out at 24k then got a SP CLI to 25k at 3 months then applied for 2nd NFCU and got another 24k then another 3 months later got it to the 25k mark as well by SP.
@CreditCuriousity wrote:
@simplynoir wrote:
@CreditCuriousity wrote:
@simplynoir wrote:At the moment it's my new CU card from Penfed at 9.49%, bank card it's probably my AMEX BCE at 12.9% I think I would have to check that. Do plan to app for a NFCU card sometime soon so depending on my choice I might get a new lower APR card but debating on that. Have to say it's been hard to pick a card from their lineup.
I would grab the Plat from them with your scores you will certainly get the 6.99% apr. Pretty hard to beat that! That is where navy showed their size when they lowered the plat from I believe 8.99 or 9.99 to 6.99.
Assuming I do that does Penfed do PCs or do I not even bother with that? I do plan to get another Penfed card down the road so maybe I'll just leave it as is. With NFCU some people have luck with getting 2 cards initially (multiple HPs but I can live with that) so I guess it depends on what I want other than the Platinum card.
PenFed doesn't do PC's from my expereince with them although others might have better luck although love my 2% card from them at 35k. Although they do move CL's around for a person if you applied for another card and needed it moved wouldn't be an issue.
W/regards to NFCU I would wait 3 months/3 statements prior to applying for two navy cards at once as alot better chance of approval and saving a HP. Others might have different thoughts, but just mine personally. Have 2 Navy cards at 25k each now. First one started out at 24k then got a SP CLI to 25k at 3 months then applied for 2nd NFCU and got another 24k then another 3 months later got it to the 25k mark as well by SP.
Sounds like a plan. Already having difficulty picking a card anyways so I'll go with Platinum and come back to the issue 3 months later. Thanks for the tips there.
And sorry for temporairly hijacking the thread there. Continue on!