Navy Federal Offers?

Anonymous · ‎01-04-2019

So, NFCU has been offering me car loans, student loan consolidation, IRAs, etc. Today, they updated my credit score -- which has shot up over 50 points since their last pull -- and here's the awesome offer they've made me:

"Easily Locate a Navy Federal Branch or ATM!" (Edit: I did get the 0% BT offer, but that disappeared within a day...Whut?)

Is this ... something they do a lot? Or are they still reviewing me? Nothing negative has popped up on my credit report. In fact, I have several new positives. What gives, Navy?! Not you, obviously! :-P

rbentley · ‎01-04-2019

Many of us got emailed offers of a 0% BT. Some got offer of 1.99%. Check your email, including your junk folder. You could call NFCU directly and ask about the offers that may be available to you.

Anonymous · ‎01-04-2019

I'm not a NFCU expert but just because your score has went up doesn't equate to more or better offers. Some people recently got the 1.99% BT offer and some were targeted for the 0% offer. Why were these people targeted? I have no clue. Look at the positive side of this, at least you can find an ATM now without driving around random streets.

Pikaboo-icu · ‎01-04-2019

My NFCU offers change every time I log in..

Anonymous · ‎01-04-2019

@rbentley wrote:
Many of us got emailed offers of a 0% BT. Some got offer of 1.99%. Check your email, including your junk folder. You could call NFCU directly and ask about the offers that may be available to you.

Oh, right, I did get the 0% BT offer, but I don't carry balances, so it's not necessary. That one disappeared, as well. Urgh.

Anonymous · ‎01-04-2019

@Anonymous wrote:
I'm not a NFCU expert but just because your score has went up doesn't equate to more or better offers. Some people recently got the 1.99% BT offer and some were targeted for the 0% offer. Why were these people targeted? I have no clue. Look at the positive side of this, at least you can find an ATM now without driving around random streets.

True, and I realize they have their own internal scoring, but it's very odd that my credit profile improved in every way, yet the offers they made me before that improvement are no longer offered... I dunno. I'm not really shopping for credit at the moment, so it's whatever. Just found it odd/humorous that finding a branch or ATM is considered an offer. :-P To wit: Every 7/11 ATM is for Navy kids, and I have three branches within 30 miles drive.

Anonymous · ‎01-04-2019

@Pikaboo-icu wrote:
My NFCU offers change every time I log in..

Oh yeah? Well ... Well ... You know what? I bet YOU didn't get an offer to easily locate a branch or ATM! :-P

Pikaboo-icu · ‎01-04-2019

@Anonymous wrote:
@Pikaboo-icu wrote:
My NFCU offers change every time I log in..
Oh yeah? Well ... Well ... You know what? I bet YOU didn't get an offer to easily locate a branch or ATM! :-P

Nope you're right! DRAT! Maybe next time..

I got the 0% BT, a couple IRA bonuses and.... Real Estate agent matching! WOOT

Last week I had the Flagship but I have 2 cards & that's enough.

Anonymous · ‎01-04-2019

Hmm, all mine says is "We are sorry your personal offers are temporarily unavailable at this time. Please check back later." Not sure if that's better or worse.

Anonymous · ‎01-05-2019

@Anonymous wrote:
Hmm, all mine says is "We are sorry your personal offers are temporarily unavailable at this time. Please check back later." Not sure if that's better or worse.

Oh, yeah, that happens to everyone all the time. Doesn't mean anything at all.