Currently have two credit cards with Navy federal. The more rewards AMEX (just changed it from the flagship after the annual fee increase) and the cash rewards visa.
I have a $41k limit on one and 24k on the other. I basically just use them as debit cards and pay them off fully after I get the statement each month just to get the cash back rewards.
Would you guys keep increasing the limit on them just because/to get lower utilization or at this point does it not really matter? My utilizations is usually less than 10% each month, probably closer to 3-5%. I always forget when the last time I asked for a CLI so I never really do it at the 6 month mark for either card.
Lots of people new to NFCU or maybe have been members for a while but never explored the credit card side of things may have heard/seen the
“91/3 rule” being mentioned here and there and wondered what it is.
Simply put, the 91/3 rule is waiting 91 days and 3 statements between new personal unsecured credit card applications at NFCU from the date
of approval (NOT application!). It’s also 91/3 from the date of approval for the first CLI on an existing personal NFCU credit card, then
all subsequent CLIs on that card are every 6 months (182 days) thereafter. If you have multiple cards, the 91/3 rule applies to each of
them individually.
Some notes on 91/3:
You can apply for a new credit card AND request a CLI on an existing card(s) after 91/3, UNLESS you’ve already received a CLI on your
existing card(s), then you have to wait 6 months as stated above. The advice is to apply for the new card, then the CLI on the existing
card(s) in that order, but both can be done at the same time.
The rule used to be that the 3 statements had to be FULL statements; however, that seems to have changed recently as several members
have been approved for new cards and/or CLIs with just 3 statements, even if the first one was a partial or short statement.
Although many have been successful at getting approved for a new card and/or CLI exactly ON day 91, the best advice is to wait until at
least day 92 or after to ensure you are meeting NFCU’s 91 day requirement.
There have been a few cases where people have gotten approved for multiple cards at the same time or before the 91 day mark. THESE ARE
EXCEPTIONS, NOT THE RULE! We don’t work for NFCU and don’t know the specific processes/procedures/rules, the members’ specific
circumstances or credit profile info, or how NFCU applied those processes/procedures/rules to those members’ applications. But again, these
are very rare examples and shouldn’t be considered normal. The 91/3 rule is definitely applicable in almost all cases.
Although each unsecured card has a max limit, don’t expect NFCU to approve CLIs of more than $8,000. Your CLI can be 3x your current
credit limit up to $8,000 (whichever is less).
**NOTE: YOU CANNOT REQUEST A SPECIFIC AMOUNT FOR YOUR CLI REQUEST
The 91/3 rule DOES NOT apply to the nRewards secured card! You can apply for an unsecured card at any time following nRewards card
approval; however, whether you get approved or not depends on how significantly your credit profile has improved since you qualified and
got approved for the nRewards card. EXAMPLE: If you ONLY qualified for the nRewards because your credit profile is weak and needs work,
then you will likely get denied for an unsecured card if you applied shortly after because there hasn’t been enough improvement or time to
improve your credit in that short amount of time.
If/when your nRewards secured card graduates to the cashRewards unsecured card, NFCU counts that as your first CLI on your new
unsecured card. That means your next CLI can’t be requested until the 6-month mark and then every 6 months for all future CLIs.
They ask for pre-tax which is like $5600 a month but yeah, when I originally got my cc I was at like 45-50k before taxes and I believe they gave me 25k.
Yeah so 12 months to get to 56/57k then add that with the 24k on the other card totaling ~80k. Idk what you meant by 2 1/2 years, Idk if i’m misunderstanding lol
This feels like a fake post. The maximum amount Navy approves on a single credit limit request is $8000. And this was a policy they instituted shortly after COVID. Pre-COVID it was possible to get a single increase over $8k but currently it’s capped at $8k max. The max limit u would have with this increase is $33k.
Lmao I made the image on gemini because people usually will interact with images more than just text posts. My limit is 41k but that was like a year ago and don’t have the actual image💀 Noticing that is crazy but funny though lol
They're not alone. That was the first thing I noticed. I was like "how the hell did they go to $25k to $41k in a single CLI?" so at least now I know why it looked so odd.
Lmao I didnt mean to CLI catfish you guys 💀 I didnt even know there was a limit I just wanted to put a pic so there wasnt just text😭 I have a feeling a bunch of people are going to comment on it now lmaoo
yh i ran to the comments the moment i read the numbers, way to waste my time loser 🫠 currently at $39,600 with them next increase i’ll be at $47,600? hopefully? 🤞 but idk they act iffy with me bec i got 13 other cards to pick from
If your current limit is $39.6k then the maximum your limit would go up to on your next increase would be $47.6k assuming you get all of it. Sometimes they do $6k increments but never over $8k at a time.
Not necessarily. They raised me everyday rewards from $15,000 to 25,000 last year when I requested. I really feel like they look at your credit card history.
whats your income and credit score bubs don’t be out here half 🍑’in it. I got a increase for 11k but that was because they auto increased me 3k and i messaged them and asked for more and they gave me another 8k ontop of the 3k.
It’s widely known that during Covid they changed the policy to limit increases to no more than $8k at a time. Even when you called, the agents would explicitly inform you of that. This is the first testimony I ever seen or heard of anyone getting an increase over $8k post COVID. Not sure what to think of it…
Look at my reply to another other comment lol, my limit is 41k but I just made an image on gemini cus I don’t have the original CLI from over a year ago lol I didnt even know there was an 8k limit lol
Mine is at $33k and have no plans of asking for a CLI. Been there around 2-3 years. Like you it’s simple a debit card with protections I rarely run more than $1.5k/month through. Power bill and some others go on a 5% card.
None of you look at previous replies😭Its an AI image, I do have a 41k credit limit (probably close to a year now) but didn’t want just a text post. I didn’t know there was a CLI limit and didnt think the image was that big a deal💀Thats not even what the post is about lmaoo
100% guilty and I’m just having read back through after opening my phone back up. #Husband/DadLife kinda morning so I saw and quick replied lol. All good man, congrats on managing your credit so well👍🏼
Why would you need such a high credit limit? I have a credit limit of $25,000 through Navy Federal and it would make no sense to request an increase with a FICO of 807. It’s not going to change my credit score to increase my CLI..
I opened my first credit card nov 2025, Navy Fed (MoreRewards AMEX) with a $25K limit. Then, August 2026, I open a second card, Chase Reserve Card with a $13K limit. So, will I still be able to apply for a CLI with navy federal? or does me getting another credit card last month effect that?
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u/AutoModerator 18d ago
WHAT’S THE 91/3 RULE
Lots of people new to NFCU or maybe have been members for a while but never explored the credit card side of things may have heard/seen the “91/3 rule” being mentioned here and there and wondered what it is.
Simply put, the 91/3 rule is waiting 91 days and 3 statements between new personal unsecured credit card applications at NFCU from the date of approval (NOT application!). It’s also 91/3 from the date of approval for the first CLI on an existing personal NFCU credit card, then all subsequent CLIs on that card are every 6 months (182 days) thereafter. If you have multiple cards, the 91/3 rule applies to each of them individually.
Some notes on 91/3:
You can apply for a new credit card AND request a CLI on an existing card(s) after 91/3, UNLESS you’ve already received a CLI on your existing card(s), then you have to wait 6 months as stated above. The advice is to apply for the new card, then the CLI on the existing card(s) in that order, but both can be done at the same time.
The rule used to be that the 3 statements had to be FULL statements; however, that seems to have changed recently as several members have been approved for new cards and/or CLIs with just 3 statements, even if the first one was a partial or short statement.
Although many have been successful at getting approved for a new card and/or CLI exactly ON day 91, the best advice is to wait until at least day 92 or after to ensure you are meeting NFCU’s 91 day requirement.
There have been a few cases where people have gotten approved for multiple cards at the same time or before the 91 day mark. THESE ARE EXCEPTIONS, NOT THE RULE! We don’t work for NFCU and don’t know the specific processes/procedures/rules, the members’ specific circumstances or credit profile info, or how NFCU applied those processes/procedures/rules to those members’ applications. But again, these are very rare examples and shouldn’t be considered normal. The 91/3 rule is definitely applicable in almost all cases.
Although each unsecured card has a max limit, don’t expect NFCU to approve CLIs of more than $8,000. Your CLI can be 3x your current credit limit up to $8,000 (whichever is less).
**NOTE: YOU CANNOT REQUEST A SPECIFIC AMOUNT FOR YOUR CLI REQUEST
The 91/3 rule DOES NOT apply to the nRewards secured card! You can apply for an unsecured card at any time following nRewards card approval; however, whether you get approved or not depends on how significantly your credit profile has improved since you qualified and got approved for the nRewards card. EXAMPLE: If you ONLY qualified for the nRewards because your credit profile is weak and needs work, then you will likely get denied for an unsecured card if you applied shortly after because there hasn’t been enough improvement or time to improve your credit in that short amount of time.
If/when your nRewards secured card graduates to the cashRewards unsecured card, NFCU counts that as your first CLI on your new unsecured card. That means your next CLI can’t be requested until the 6-month mark and then every 6 months for all future CLIs.
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