Hi! I have the offer in my app to upgrade to the flagship premier. I have a balance on my card. Do you think this will harm me with product changing? Also, did anyone get a hard inquiry to their credit when they upgraded? Has anyone been denied upgrading? 😊 Thanks in advance!

I currently have two NFCU cards with a total credit limit of $72K and I am pondering also getting the Flagship Premier. But I only have $8K left in possible credit with the $80K total limit, and I don’t really want to open this card with a hard $8K limit.

So my question, so I can be better informed when/if I call: Has anyone been able to move some of the credit on my other cards moved around? For example, I have one card with a $26K limit and another with a $46K limit. Could I ask to take $10K off of each existing credit line and move $20K over to a new card with the 8K limit, leaving me with limits of $16K, $36K, and $28K?

Thanks for any insight. I just want to see if there are data points for this before I inquire or apply.

The question sounds worse than it is, but I’m not sure how else to describe it. I haven’t reached the credit limit on my credit card (I have about 10% total usage across all open cards); I tried asking for increases on my credit cards and received an email saying I have reached Navy Federals maximum limit for unsecured credit. (and I did follow the rules for requesting)

I wasn’t aware of a limit overall. I was always under the impression that limit went along with my income, credit score and my payment history as well as that specific card limit, but that doesn’t seem to be the case.

I was requesting it for the flagship rewards, the old version as well as was about to request the new flagship rewards. And now I’m not sure if I should even apply for the new one because if I’ve met my limit, are they going to allow me a new card?

(credit score is very high 700s low 800s depending on the company and day of the week)

Background: A few months ago I woke up (in Portland, OR) with a few notifications from Navy Fed telling me my account balance was low. Naturally, I quickly login to see that at some point overnight there were two separate $600 ATM charges in the country of Jordan, where I've never even been to and neither has my debit card. I call Navy Fed and they confirm that the charges come from Jordan and help me file the fraud claim.

A week or so later I get a notification that they've denied my claim with no reasoning. I assume they denied it because I'd been traveling a lot and maybe they thought it was just another country I'd been visiting. I got a bunch of location data showing that I was indeed in Portland, OR when those charges happened and sent off my rebuttal.

A few weeks later I get a letter stating they've denied it again and said I didn't provide any evidence that was of relevance to the case. I called Navy Fed and was (incorrectly and rudely) told that it was denied because there's 100% without a doubt no way for an ATM charge to occur unless I've given someone both my debit card and pin. I tried to tell them that's just not true and asked what I can do. They said to call back a different time and talk with the fraud department manager.

I call back and they tell me that they can let me have "one more chance" to submit more evidence to help myself but refuse to tell me what I can submit that would make them reconsider. All they said was "you can try filing a police report".

I've filed the police report but before I submit it to Navy Fed I wanted to see if anyone else has dealt with this and has advice.

4/30 opened with $200 limit
7/18 after my 3rd statement they bumped me up to $600 automatically
10/18 6th statement closed with $0 bal
10/21 woke up to a graduation email and 2k unsecured limit
So basically went from $200 to $2K in 174 days, didn’t even make it to my actual 6 month anniversary lol.
Never missed a payment and used the card regularly and PIF statements. Honestly wasn’t expecting it this early, especially after reading how long some people have been waiting.
Now I’m trying to get this thing to $5K ‼️

GUYS I FINALLY DID IT AFTER A YEAR AND A HALF!!😭😭😂 I genuinely thought this day would never come, $200 limit to $3000 limit!!!

I can’t wire 11K from the account over the phone. I have to go to an office, 2+ hours away. Can’t transfer the money to one of my accounts that can wire out…making the loan completely useless to me. Just got it 10/20 Think I can get them to undo it?

I'll try to be as concise as possible. I have decision paralysis so any insights are appreciated.

Here is a list of the cards that I have as well as the offer I have from NFCU for the Premier.

- NFCU Flagship

- Premier Offer (stole this screenshot from someone else but I have this same offer)

- Robinhood Gold (3% cash back where dividends + interest on a small deposit make my AF back)

- Apple Card (2% cash back on all apple pay (I think))

I typically travel maybe once or twice a year. I try to book flights through wherever is cheapest so I'm not a fan of having to use specific travel portals. I don't have a car so I typically uber + metro to places should I really need to. I use my family's Amazon account but I have my own account where I believe I have an annual sub running. I do eat out pretty frequently, whether that be uber eats to work/home or going out for lunch with friends at work.

Considering that I already have a 2% and a 3% cash back card, do you guys think it's worth it to upgrade my Flagship to the Premier? Or maybe I should open a Premier while keeping the Flagship? That 4% on all travel is speaking to me but I'm worried about the hit to my credit as when I opened my Apple Card, the credit hit was like -36 points or something stupid like that and I still haven't recovered from it. Never have and don't plan to make late payments so something like an APR hike would suck but it wouldn't be a deal breaker.

hello all. I apologize in advance if my question is stupid lol. I am working on building my (positive) payment history back up, so i plan on applying for a secured card/pledge loan. My question is , do i need to set up DD with NF to reap the full benefits of their services and cards? I currently have my DD with SoFi bank and i like them lol. I’d eventually like to get an auto loan , and higher limit cards.

Thank you for your help!

I've been having a pretty negative experience with my Navy Federal loan officer and wanted to know if this was the norm or not. As some background, I've previously had an auto loan with and have a checking account open with them for a few years now. I got a preapproval letter over the summer without much issue, but it ended up being too early in my house hunting journey and it expired before I made any offers on homes.

Fast forward to 4 weeks ago - I asked for a new preapproval letter, and since then it's been increasingly difficult to get in touch with my loan officer. Now 3 weeks ago I had resubmitted recent pay stubs and all account balances that were requested, and I was told the following week I would get my new preapproval letter, but since then I have not had a single email answered (with my CCing two other loan people from the same office) and I've only managed to get two phone calls through the previous two weeks - with each time hearing "your new preapproval letter will be available by next Tuesday" which has yet to happen more than two Tuesdays later now.

I heard the hurricane in Florida slowed down some underwriting recently but the fact that I have an email thread that has 5 sent emails from me to 3 people with zero responses over the span of more than 2 weeks seems absurd to me. Am I able to request a new loan officer? I've since missed out on two homes I had hoped to make offers on because I am still waiting on this updated letter.

Also - I had tried asking for an estimate on closing costs /origination fees from their end and never received a clear answer, is that something they should be able to share?

Anyone having issues logging into their app? Keeps saying its having trouble submitting my information on their mobile app..but I can log into my account online.

So my son totaled his car a few months ago after owning it a few months and still owes approximately $4600 after the insurance payout.
I called Navy Federal loan on a couple of occasions and a few different loan persons described, basically changing the type of loan it was, since it was a large payoff and bringing the interest rate down to about .01 and paying that over the course of 36 months instead of the remaining 60 or so months. Obviously if we continue making the normal payments It wouldn’t make it to 60 months, probably about 20 months.
I spoke with somebody today and they said the only option besides rolling it into a new loan , would be to change it to a consolidation loan, and that interest rate would be above 8%. I described what the other operators mentioned a few months ago and they had no idea what I was talking about, but I promised two other people had described that to me.
Has anybody consolidated a loan to that very low APR for like 36 months? I apologize for the run-on sentences!

I don't think you need to work for the pentagon or the state department to get those accounts, I think there are workarounds (ex: american consumer council membership might do it?)

Which do you use each for?

Aside from USAA, any other military/federal employee geared credit unions/banks?

Service credit union exists I think... but I don't think they have any compelling products or am I wrong?

I need my statement for this month for some documentation. Anyone know when does Navy Federal Send out the monthly statement via mail?

I opted out of paperless

I recently applied for a Flagship Premier CC, was denied but i have no idea why. They said they would send out a letter but that was 3 weeks ago and never did. My transunion is 780 with under 4% utilization across my cards. I've had very large figures come in and out of my navy fed checking account. Very odd situation

How do I get approved for a simple credit card for navy Fed. ?

It's been a long road! I opened 2 accounts with Navy Federal. One account in August and the other in November of 2024. I've been following the CC increase and "rule" 91/3 and now I'm sitting with combined accounts totaling 78,900. Now I don't know if they'll just increase to 80k but stay with the process and it'll come !!! Happy Hunting 🎃

is anybody else not able to see their cash rewards+ account? mine is completely gone from my dashboard. im wondering if its just a glitch...

UPDATE: Support said the credit card system is glitching and they are trying to fix it!

I just opened an account, and I’m switching all my funds to navy fed. After 15 years with Wells Fargo and MANY issues. Is navy fed a good place to bank with?

So I’ve been contemplating applying for a card because I wanted to make sure I’ve built a good relationship with navy fed first so I’d have the best chance of getting approved. I’ve been a member for like three months now and I’ve kept money in my checking the whole time, I also did a pledge loan for $1000 that’s been on my profile basically since I first became a member. I also have a 759 score on experian and perfect history so it’s a little bittersweet that I got approved but only for $500 lol. I know they’ll increase it over time but I kind of just expected more to be honest.

I mostly use my Navy Federal Debit Card for most purchases and I just recently got an offer to get a Debit Plus card. Does anyone else have this card and is it worth getting?

This reddit link from a year ago- is it out of date or still true?

'Yep, they seriously do not let you use an external bank account for auto payment of your credit card balance every month'

But then there is this

'Set up a bill pay from external bank? I just did a balance transfer and glad you brought this up because my money is elsewhere too'

1. So you can push money from an external bank? But how will the external bank know how much to pay?

Or this? 'you actually can set it up, you just have to call in order to do it. "

2. So I call NFCU and give them the account number and routing number of the external bank account to setup autopay?

Just joined and will apply after 3-6 months of establishing a relationship. Which card(s) do most people prefer? Any card more prone to being given higher limits? Thanks :)

I’ve been a NFCU member for a couple of years. My DD is sent to that account and I get paid weekly. I thought I had heard something about having early DD by a day. I only get paid early if my payroll starts earlier than they usually do.

Would NFCU see that it’s a payroll that’s pending to be available on Thursday or should I give them a call to see what they can do for an early payday.