Search the Community

What should we do? The original approval was for $5k, I then called a couple of days later for recon and they approved it for $7k. However, our account screen is showing 2 different accounts and the cards that came in the mail today was that of the $5k account number. Do you think I will receive the other account number also? Should I call to try to have the accounts merged for a total of $12k? Or will they just shut one down if I make that request?

I recently received my Nordstom Visa Signature (bin number starting: 414721). It's not being verified by THREE Visa Signature promotion sites that each state the following: https://visa.clearme.com/signature# 1. Enter your 16-digit Visa Signature card number to verify you're eligible for this Visa Signature CLEAR offer. http://www.cirquedusoleil.com/en/offers/shows/amaluna/visa/san-jose-on-sale-visa-signature-coissuer.aspx 2. Enter your 16-digit Visa Signature card number to verify if you're eligible for this CIRQUE DU SOLEIL offer. https://tickets.fandango.com/visasignature/ 3. Enter your 16-digit Visa Signature card number to verify you're eligible for this Fandango offer. Additionally, each display the following error after entering my Nodstrom Visa Signature number: "We’re sorry but the card number you entered has not been identified as a Visa Signature card eligible for this offer. Please re-enter your Visa Signature card number. If your card is not an eligible Visa Signature card, click continue to see another offer you may be eligible for". I called Visa Signature and they said the bin number (414721) is NEW to them. They are currently talking with Nordstrom about updating this bin number so it is "identified as a Visa Signature card". My question is this: has anyone else received a bin number starting with 414721 for a Nordstrom Visa Signature card opened in 2012-2013? If yes, are you having the same problems I'm having with the Clearme, CirqueDuSoleil and Fandango promotions for Visa Signature card holders? Thank you for any information you can provide!

One of my cards, the BOA visa signature currently runs an offer on balance transfer and I wanted to move about $7000 to that card. The credit limit is not reported by BOA (Currently 15K) but card reports maximum past balance and minimum payment amount. The question is - how my FICO is going to be affected if I transfer balance to this Visa Signature card. Will new balance become "hidden" from FICO algorithms or total utilization is going to be calculated based on maximum past balance that is reported (that would be strange). Anybody can help and clarify? Thank you!

Greetings All, Well... I just don't know what to say.. Navy Federal has brought a tear to my eye tonight. This all started about 13 months ago where as part of my credit repair I opened a Secured nRewards Visa for 2k. Six months into this I raised the deposit and thus the credit limit to 5k, and then 8 months in up to 10k. In each case there was no credit pull for an increase, just the additional deposit. At 12 months on the mark, they automaticly released the 10k on hold in my share account and unsecured the card. I did not request this, heck, I did not even know until I logged in and noticed I had a much higher available balance in my share account. After that, I called and inquired if I could have my card switched to the Flagship Visa Signature card. They did it without hesitation and without a credit pull. Given my international travels, this card serves me very well even with the annual fee. The additional rewards, lack of foreign fees, and extra perks more than make up for the annual fee. And that brings us to today, month 13. I decided to roll the dice and try for a NavCheck just to see what would happen. I hate to eat in inquiry, but thought it was worth the risk. I decided to go for broke and requested the maximum a 15k limit. Instant Approval on the website. I then asked to be transfered to the credit card department, and asked if it was possible to use the same inquiry to check for a credit increase. I mean, if that one went so well, lets see what else I can do. I was informed they are a seperate department and if the request had to go to manual review, it would require an additional credit pull. I asked if we could check for an instant approval and retract the request if it required a manual before a credit pull was performed. He said yes, that can be done. Well, I asked for an increase from 10k to 15k. I was informed the system would auto approve me for up to 22k, I was then asked if I wanted the 15k I requested or the 22k that was offered. Heck yes, I took the 22k. There was no credit pull required for this increase. I feel like I am still dreaming. This is far and away the largest limit card I have, with the next best one being an old Orchard card, now Capital One for $1600... I am 100% sold on Navy Federal. By far they have taken care of me more than I could ever have asked for. Even during those calls they kept thanking me for being such a good customer. Telling me that is why they are willing to do what they have done. They seem far more concerned with my relationship with them than past issues and problems. For any of you that are lucky enough to be Navy Federal members, take care of your comittments to them, they will do the same for you in turn. Thanks for listening, and joining in my joy!

Greetings All, Well, I had a nice suprise from NFCU the other day. They automaticly unsecured my nReweards Secured Visa after exactly 1 year. I opened this account with a $2000 deposit, at 6 months, I upped it to $5000, and at 9 months, I upped it to $10,000. When they unsecured it they left the full $10,000 credit line in tact. To add to it I called and asked if there was any way I could convert it to the Flagship Rewards Visa Signature card as I travel internationally a great deal and it was done right on the spot with nothing but a soft pull (verified) to determine the interest rate, in my case it stayed at the 17.9% I had on my nRewards card, but that really does not matter to me as I pay it in full every month. I did inquire if a limit increase was possible but was told that would require a hard pull so I declined. The represenative seemed very aware of the difference between soft and hard pulls and did an excellent job of describing each one correctly. This is now officially my hightest limit card by a long shot, and has made me a true beliver in NFCU.