Will NFCU give you the same special offer if you don't accept one the first time it's given ?

[Bees18]

I got several letters in the mail saying I'm Preapproved for the NFCU Amex at 0% for 12 months. It's a great offer but I don't want to get a new card right now, but would love to receive this offer at the end of the year. It's says the offer expires tomorrow.

if I don't take them up on this could they send me the same 0% interest offer on the future? I believe I got the offer bc I was an AU on my husbands NFCU Amex and took myself off, I revived this offer the next week.

[Anonymous]

From what I understand, NFCU does these offers yearly around January in lieu of SUBs but when the SUBs come back, they go away except for the Platinum’s 0% for 12 BT. 

[AverageJoesCredit]

Maintain your credit in good standing and im sure you may see this offer in future If not, you can always cold app.

[Anonymous]

Fingers crossed I won't have to wait until the last quarter of the year for the next sub with NFCU. I jumped on this myfico train a few months too late and missed the memo last time!

Choo Choo

[Anonymous]

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@Anonymous wrote:

Fingers crossed I won't have to wait until the last quarter of the year for the next sub with NFCU. I jumped on this myfico train a few months too late and missed the memo last time!

Choo Choo

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NFCU will have SUBs instead of 0%/1.99% offers again. Assuming they will be rolling out on the 1st since the 0% and 1.99% offers expire 2/28. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Fingers crossed I won't have to wait until the last quarter of the year for the next sub with NFCU. I jumped on this myfico train a few months too late and missed the memo last time!

Choo Choo

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NFCU will have SUBs instead of 0%/1.99% offers again. Assuming they will be rolling out on the 1st since the 0% and 1.99% offers expire 2/28. 

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I hope so!! Ill be hitting my first 91/3 at the end of April. Hope my timing works!!

[zerofire]

While you might get an offer again later you should expect the expiration to be absolute. Now it is actually very hard to be creative in making a CC offer that is different from the existing card and also not accidentally go into another product so issuers will usually reuse the same tricks. Sometimes though they will just give you a better set of terms. If push comes to shove you can always go ahead and call the issuer and say that you want x terms on y card while asking if they would do that. Any smart issuer will cave if they can or will find something in their bag of tricks to make you a customer.