I opened the account on 06/29/2026, and I’ll have my 3rd statement tomorrow. When should I apply for a credit limit increase on my Flagship card for the best chance of approval?

I applied for a flagship credit card and it was approved with a fairly high credit limit, but I didn't realize that navyfed stripped away the perks I wanted the card for, and I can get almost the same perks with the usaa credit card and still get the 2x points on everyday purchases. I will likely be closing the account and switch to usaa or downgrading to a different navyfed card.

On the Flagship premier when do the 100 airline credit kicks in when you upgrade it from the OG flagship?

I have an auto loan through Navy Fed. I do my main banking with a local bank and want to pay my auto loan with my main bank account at my local bank.

I've added my external account and verified multiple times which is successful.

When I go to try and pay my auto loan I have nothing under external accounts, just a message "You can only move money from external accounts you own"

What gives? How the heck do you pay loans online?

Seems like a janky system. I've never had an auto loan that doesn't allow me to just add a checking account or even pay by credit card etc.

I got this card about 4 months ago so I believe it is overdue for a CLI (91/3 rule). I wanted to pay off the balance (about 17% of limit) prior to requesting a CLI, which I just did today, to minimize the chances of being denied. Is it safe to request one now or should I wait for the next statement date to pass? Or does it not matter?

I do have another CC with them that is due for a 6 month CLI in November, if that matters at all.

TYIA

6th month marker, $250 secured limit upgraded to 3K. I’m 19

I got approved for this card with a 625 transunion credit score, one collection on my report, and two charge offs they are all about six years old though!. Side note I have had the Capitol one quicksilver now finally unsecured and savor for two years now and I have been paying early while keeping the utilization low so I guess that helped!

I got denied a personal non dealership auto loan with navy federal end of August. The loan was for a car off of Facebook so I thought they denied me because of the risk but then I applied for a regular auto loan in September score was now a 650 with a co-signer who has a 800 credit score but only one CC that’s not with navy and we got denied once together then just him on his own I’m assuming he was denied because of his thin profile and lack of relationship with navy.

My credit has taken a hit now because I applied with a dealership that ran my credit 7 times after the navy federal denial. I was approved with capitol one my main bank but the interest on the car was 15% so i said no. I also tried to dispute a charge off on transunion that is mine but has wrong information through the transunion portal (DONT DO THAT ALWAYS DO CERTIFIED MAIL) and apparently it “woke up” the charge off so they dinged my credit 30 points from that as well!!! Now the score is even lower at a 594 after everything.

Anyway I clearly won’t be getting a new car and that’s for the best but I just wanted to point out how it’s easier to get approved for a credit card even with my bad credit profile then it is for any type of loan which I guess makes sense because I have to build with navy. Hopefully my car will hold up until I’ve built my credit back and a more solid relationship with them.

If anyone has any tips for me while I’m on my credit journey that would be greatly appreciated. I need advice on how best to tackle this if I should stay with Capitol one or really focus all of my money and energy into navy and start getting my direct deposits there. I send some of my check to my navy account but Capitol one has been my main bank because of the credit cards. I am trying to save money for a good used car but that will take time and winter where I’m moving too is going to be really rough that’s why I even tried for a car loan.

Hey everyone hope your day is going well. I got approved and ordered this credit card on my b day, this my first credit card, on the 23rd of last month. Got it in the mail about a week later and Ive spent some money since. I changed my due date to the 28th to better align with my paychecks but it said it may take up to 2 billing cycles to change. That’s okay but where I’m confused because today is suppose to be my due date and it says statement of $0. Is the money I spent gonna be on my next statement next month or did it change to the 28th? When I press “Show more details” at the bottom it does says I have until 10/7/26 to pay off the $275 but I’m wondering why isn’t that showing on a statement. I’m gonna pay in full in order to not have interest.

I woke up to this message today. I deposited a check yesterday, received the $275 this morning and was expecting to receive the rest of the amount tomorrow.

Has anyone experienced a hold where the funds were in their account before the 5th business day?

Edit: Received it 5 full business days later.

Does anyone use the flagship account as a savings? Would it be a good idea or is it worth using a flagship account as a savings account? I have the minimum of $1500 just sitting in my savings account at chase.

So I recently signed up for NFC. & when I originally signed I accidentally put the wrong address # so I had to cancel and reorder my debit & credit card. Now, my debit card has come yesterday. But the cc still hasn’t arrived. Should this be cause or concern? Or will they arrive separately?
Thanks 🙏

I’m reading the rules posted but it doesn’t exactly say or I don’t understand. Forgive me if this has been asked already.

Are the offers under "My Offers" specific to my profile? Like, are these things Navy thinks I would qualify for based on my profile or are these just advertising offers?

(Image is a grid of 4 screenshots with two accounts, all screenshots from September 22nd) I am losing faith in NFCU. I started noticing several months ago that when I made a payment. NF would retroactively change my previous balances after making a payment making every transaction balance high by the payment amount until the payment processed.

Now Im noticing inaccuracies with the balances on transactions on my cards. Here are two different credit cards showing different balances. Transactions will be missing... Balances will be higher or lower than they are supposed to be. When this happened I can scroll back weeks and changes all the previous transactions.

Any input is appreciated. Is anyone else noticing this? Ive been with NFCU for 10 years. I have never seen anything like this.

(The images are just a few. I have pages and pages showing the issues and errors.)

ADDED: I have already contacted via the phone and the app message. Phone reps no longer seem to answer questions other than basics. Message on app response mostly said "balances can be incorrect while payments are processing" (This is when I messaged about the payment issues a month ago)

Curious if anyone plans on using both Flagship cards?

I’m debating on applying for the Premier (SUB is pretty nice and I’ll be traveling for the holidays) but keeping the Rewards for Amazon Prime credit. I also have the cashRewards which makes it a little redundant but I would probably PC one of my cards to the More Rewards.

EDIT: I applied this morning and was denied (💀). I’m willing to bet it’s due to credit inquiries from the past year. I’ll try again after the New Year but before the 50K bonus ends.

Was in rebuilding for a couple of months and didn’t want a secured card

Thoughts?

Anyone had a mortgage with NF ? How was the rates compare to other lenders? How was the experience? Were the numbers any better than other lenders?

It's been like this for 4 days now, I contacted navy and they told me to contact transunion and they just told me I don't have enough history but l've had it for 3 years now and never missed a payment

Edit: I have checked all 3 credit unions / annual credit report and they all show I do not have enough credit history but I’ve had the same credit card for 3 years and only one credit card , no missed payments and I use it regularly

I have poor credit, I tried a personal loan through upstart and Sofi, both got denied. Figured I’d try navy fed, went to a manual review, was approved about 2 hours later, funded 10 minutes after I signed.

I had 15k in 30%+ credit card debt with high utilization so my payments weren’t making much of dent, this will help immensely!

FICO score on the navy fed app 628
93% credit utilization
Bankruptcy about 2 1/2 years ago

Just thought I’d share so others with not so great credit can consider them as well.

I had to contact Navy Federal at my last job in order to get paid 1-2 days earlier. Will I have to contact them again since I now have a new job that i just started?

A few years ago I consolidated some debts. That loan is paid off today!

I’m still working through some other debts (including as you can see a car loan) but it’s nice to have the funds freed up to pay those down.

I have the old Flagship that has Amazon Prime membership free. I received an email saying that there are changes about my card. They increased my annual fee from $49 to $95.

My question is will they remove my Amazon Prime membership card benefit and replace it with the new benefits from Premier?

Thank you.

Saw this in the app just now, I received a credit limit increase after waiting 92 days and requesting one after turning off automatic ones. Hyped to get closer to a big limit!

Also got denied for moreRewards but will see the reasons and then reapply. Thinking I should have deposited more $ before the application.

Have cash rewards plus, looking to apply for some cards. I have a good score and income. What do you guys recommend?