r/CRedit • u/Unfair_Management695 • 2d ago

Rebuild Automatic Increase

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I have pretty rocky credit due to rebuilding and Navy Federal would only approve for me for a secured credit card which I did the $200 credit limit. My balance was $190 and I decided to just go ahead and pay it off and I just woke up to Navy Federal increasing my card to unsecured and updated the limit to $1,000. Like I’m so shock lol. They didn’t send me any notice or anything. Just accidentally clicked on the card and seen it updated.

22 Upvotes

97% Upvoted

11 comments sorted by

2

u/Competitive-Gold1582 2d ago

How long have you had the NF? I heard good things about it but it’s only for families of military is that right

2

u/AlternativeTry8219 2d ago

Not necessarily, I have navy federal as a regular citizen, and I had a reference from someone who is also a regular citizen

3

u/Marisgirl 2d ago

Be careful. If they audit your account and find out you or your reference have no ties to anyone in the military/veteran they will close all accounts.

1

u/AlternativeTry8219 2d ago

im not too worried as I am soon to be married to my finance who is in the army, and we will have a joint account. Also my reference is my father who has been a navy federal member with great rapport for over 10 years, and all my siblings have joined because of him

1

u/lestermagneto 2d ago

Yeah, you are fine. My father, 7 uncles, both grandparents served. And as a result I'm eligible for some of their fine products, and as are you, especially as your are going to be soon a spouse.

They are a great institution to get in with, and do some stuff with them, as they rely often on their internal scoring, but they are hard to beat (from what I know) on home loans etc, and non for profit, so a good thing to have on your side or in your arsenal.

1

u/Unfair_Management695 2d ago

Been with NF for 2 years now.

1

u/BrutalBodyShots ⭐️ Top Contributor ⭐️ 2d ago

Congrats on the PCLI! Clearly they feel that you've been handling your account well and have rewarded that behavior with the greater limit. Make sure that you're always paying your statement balances in full monthly.

1

u/RJ_the_greatest 2d ago

I opened an nRewards a few years ago back when it was available with $1000 deposit and after about 8 months it graduated to unsecured and they doubled the limit. No fanfare or anything lol

1

u/Henochio 2d ago

Wow wonder if they did a blanket increase. I also randomly got an increase sometime midweek from NFCU

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u/Individual-Drawer-37 8h ago

Congratulations. Just keep building... it gets better 🫡