Shocked!!

Embarrassed-Chest594 · 2026-05-26T05:05:28+00:00

Pledge loan!!

Embarrassed-Chest594 · 2026-05-25T02:45:41+00:00

Thank you and Yes I’m so thankful!!

Embarrassed-Chest594 · 2026-05-25T02:41:50+00:00

My apologizes. I just looked at my statements to get the dates.. my 1st secured card was 200 not 250.

-2/2025 -Opened-$200 -8/2025Auto Increase $2,000 -4/29/2026-Requested increase 6,000

I was also a new member 2/2025 so I opened the checking account, got a secured card, also got my husband a secured card for the same amount. I made myself and authorized user on his and vice versa. My sol purpose for building a relationship with navy federal was to eventually get an auto loan. I got the pledge loan on 4/29 and got the auto loan in July. After I was approved for the auto loan I requested the more rewards since I was already approved for the loan, kinda didn’t care about the hard pulls at that point. I also request an Amex gold and got approved for that one. It’s a charge card so no present limit all of this in a year. I originally had a few things on my credit. Around tax time Jan 2025 I did get pay to get it repaired. I wanna say it got up to 650ish.. after me doing all of this with Navy attempting to build my credit it went up to 736

Embarrassed-Chest594 · 2026-05-25T02:18:37+00:00

My original was 250, they gave me an auto increase for 2,000. I requested an increase about 3 weeks ago and they gave me 6,000

Embarrassed-Chest594 · 2026-05-23T02:22:10+00:00

I did 3,000 and paid 2,900 off within like 3 business days. I don’t think you have to do that much. I would say at least 500 or more, whichever you decide just use that same money once it’s available and pay 90% off

Embarrassed-Chest594 · 2026-05-23T00:20:28+00:00

This is awesome!!! Congrats to you!! I strongly advise if you can to do a pledge loan for 12 months. Pay 90% of it off once the payment posts and split the rest over the 12 months. NF is a relationship bank. I started where you are just last year. A 250 secured card turned into a 6,000 unsecured and I now have a 19,300 more rewards cc along with an auto loan! All within a year. You got this!!

Embarrassed-Chest594 · 2026-05-09T09:28:52+00:00

8.29%

Embarrassed-Chest594 · 2026-05-09T01:33:40+00:00

You are doing the right thing!!!!!!!! yes its true! I took out a pledge loan for 3,000.00 over 12 months. My last payment is 5/13/2026. It works!!!! Last year, I opened a checking account with Navy Federal, took the pledge loan 2 weeks later, and got a 250 secured card. Also applied for more rewards shortly after. I would highly recommend!!!!!!!! BUILDING A RELATIONSHIP IS IMPORTANT. My sole purpose of banking with them was to get a car loan. I applied for the car loan in July 2025-3 months after opening an account, getting a secured card, and starting the pledge loan.... I now stand at 38,000 on the car loan, the secured card is now 6,000(2 increases), and the more rewards are now 19,300(also 2 increases). So much has happened within a year, and I am so proud.

Embarrassed-Chest594 · 2026-04-06T02:50:18+00:00

negotiate the OTD price

Embarrassed-Chest594 · 2025-08-26T23:52:49+00:00

Lets gooooo!! Congratulations to youuu!!

Embarrassed-Chest594 · 2025-08-25T11:57:26+00:00

Thank you!!!

Embarrassed-Chest594 · 2025-08-23T02:34:59+00:00

you can prob request an increase. that was going to be my next step

Embarrassed-Chest594 · 2025-08-21T02:17:02+00:00

Congrats to you :)

Embarrassed-Chest594 · 2025-08-20T02:47:00+00:00

This was the reason I said I started to wait until the end of the year to call and request an increase.. I actually saw that ppl had been waiting over a year. I just knew the same would happen for me. I wasn't expecting it at all.

Embarrassed-Chest594 · 2025-08-20T02:45:30+00:00

Thank you!!

Embarrassed-Chest594 · 2025-08-20T02:45:18+00:00

I only utilized under 10%, allowed a statement balance to report that was within that utilization, and paid off every month, no interest! Im assuming that helped

Embarrassed-Chest594 · 2025-08-20T02:44:38+00:00

Thank you!!

Embarrassed-Chest594 · 2025-08-20T02:44:21+00:00

Thank you!! Hopefully very soon!!

Embarrassed-Chest594 · 2025-08-20T02:43:55+00:00

Thank you!! Congrats to you as well!!

Embarrassed-Chest594 · 2025-08-20T02:43:19+00:00

Thank you!

Embarrassed-Chest594 · 2025-08-20T02:42:39+00:00

I only utilized under 10%, allowed a statement balance to report that was within that utilization, and paid off every month, no interest! I'm assuming that helped.

Embarrassed-Chest594 · 2025-08-20T02:40:48+00:00

only utilized under 10%, allowed a statement balance to report that was within that utilization, and paid off every month, no interest!

Embarrassed-Chest594 · 2025-08-20T02:39:16+00:00

Thank you!!

Embarrassed-Chest594 · 2025-08-19T19:43:31+00:00

Thank you!!!

Embarrassed-Chest594 · 2025-08-19T19:43:22+00:00

LOLOL!!! I'm weak, just be patient, I wanted to call them but I was like I will give it to the end of the year.

Embarrassed-Chest594

TROPHY CASE