[TARGETED] - Navy Federal 0% for 12mo, 0 fee for Existing Cardholders

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Says it's only valid for those who received the email - which I did! I took off my tracking info from the end of the url, but the link still shows the text to prove this is live and active until December 31st.

Link: https://www.navyfederal.org/email-marketing/creditcards/special-...

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Nice! Wish I'd get one, last one they sent me as Apr 2015!

Got it as well!

I was starting to get worried that it had dried up.

rascott said:   Nice! Wish I'd get one, last one they sent me as Apr 2015!
From Argyll at https://www.fatwallet.com/forums/finance/902958?showmessage=1973... :

"It's probably worth calling even if you haven't received an email because I found it available on one of my cards once even though I received no notification."

Nothing here but I will be sure to call.
I have NFCU two cards with 0% BT's on them . One expires this month and the other in April.

DPG said:   Nothing here but I will be sure to call.
I have NFCU two cards with 0% BT's on them . One expires this month and the other in April.

  They're not going to offer you another one while you're still on existing offers.

Argyll said:   
DPG said:   Nothing here but I will be sure to call.
I have NFCU two cards with 0% BT's on them . One expires this month and the other in April.

  They're not going to offer you another one while you're still on existing offers.

  
They had no problem offering one this past April when I still had an existing balance from a December 2015 offer.

On the same card?  I didn't know that. I never got offered that with an existing balance, and I asked when I knew they were offering it to others.

Argyll said:   On the same card?  I didn't know that. I never got offered that with an existing balance, and I asked when I knew they were offering it to others.
  
DPG said:   

Nothing here but I will be sure to call.
I have NFCU two cards with 0% BT's on them . One expires this month and the other in April.

 

Do I need to be a member of NCU?

Yes. It isn't as easy as some credit Unions, but I was able to be fortunate enough to have a workaround in my situation.

- My uncle has a NFCU account, but that doesn't qualify me. I got my Mother to sign up for an account, and that qualified me. (Even though all three of us live at separate addresses).
- As a side note, I don't really care for for parts of their online system. Specifically "Auto Pay". You can choose to Autopay a set amount every month, but not the Minimum or Total amount due. *** I refuse to use their card anymore after this lack of feature caused a late payment on my credit after using the card ($10 charge) on a rare instance.

However NFCU is known for giving people a ridiculous credit line on their credit cards. Please don't abuse this if you can't handle money. But if you're rebuilding your credit they are a great tool.



*** I believe they may have better options for people with checking accounts through them.

Bobobo said:   Do I need to be a member of NCU?
  NFCU. Yes.

Also, there's a little known membership work-around described here: https://www.depositaccounts.com/blog/2016/12/littleknown-qualify...

For what its worth, my wife is a primary on a card (I'm not on it) and I have a card where I'm the primary but my wife is joint.

My wife received the balance transfer email and completed transfers on both cards (where she's primary + where she's joint). Today I saw a interest charge, and called into NFCU to see what was going on.

They said my wife's email only pertained to the card she's the primary on, yet the email nor the website mentioned anything specific about a single card. In other words, nowhere did it say "Valid for card ending in xxxx" or "Valid for your Go Rewards card". It simply says, 12 mo 0% interest, no balance transfer fee. They passed the details onto some internal department and told me it will be 2-3 business days, and to check back in the middle of next week to see if they applied the offer to the card where she's joint.

I hope they will apply it, as the verbiage was not clear regarding the offer being limited to any specific card. Let this serve as a warning to others who may have more than one card, that just because you get the email doesn't mean it applies to ALL of the cards you may have (or be joint on). If you got the offer, its probably in your best interest to avoid the headache and call in, and figure out which card specifically is eligible for the offer.

I always do balance transfers over the phone and verify the deal as it is being done, because it doesn't specify the 0% offer if you do it online.

I'm extremely happy to report that it appears NFCU has already taken care of the issue. I logged into my account online and see they refunded the interest charged against my account & adjusted the balance transfer balance to reflect my last payment. I was seriously concerned it would be a battle to get the 0% for 12 mo on the card where I'm primary and my wife is joint, so I'm very relieved they took care of us.

If you did not get the email. You do not get the 0%. I tried it last year. In the end I got the fees and interest waived for imediate balance payoff.
Still an outstanding cfpb complaint because none of the pages I visited mentioned it was targeted and I was ineligible, but I don't expect anything useful to come out of that complaint.

I call BS on Navy Federal too. I saved the offer that I saw on their website. It appears to be a completely legit Navy Federal website and offer, but when I called the credit card customer service, they said the website was a scam.



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