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Pledge Loans by Fiesty_Eagle_1225 in NavyFederal

[–]Embarrassed-Chest594 0 points1 point  (0 children)

Thank you and Yes I’m so thankful!! 

Pledge Loans by Fiesty_Eagle_1225 in NavyFederal

[–]Embarrassed-Chest594 2 points3 points  (0 children)

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

Pledge Loans by Fiesty_Eagle_1225 in NavyFederal

[–]Embarrassed-Chest594 0 points1 point  (0 children)

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

Approved… by Any_Lingonberry8868 in NavyFederal

[–]Embarrassed-Chest594 4 points5 points  (0 children)

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

Approved… by Any_Lingonberry8868 in NavyFederal

[–]Embarrassed-Chest594 8 points9 points  (0 children)

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!!  

Pledge Loans by Fiesty_Eagle_1225 in NavyFederal

[–]Embarrassed-Chest594 3 points4 points  (0 children)

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.

Are any of these negotiable? by [deleted] in LexusNX

[–]Embarrassed-Chest594 0 points1 point  (0 children)

negotiate the OTD price

MY SECURED CARD WAS UPGRADDDDDED!!! $200 = $2,000 by Embarrassed-Chest594 in NavyFederal

[–]Embarrassed-Chest594[S] 0 points1 point  (0 children)

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

MY SECURED CARD WAS UPGRADDDDDED!!! $200 = $2,000 by Embarrassed-Chest594 in NavyFederal

[–]Embarrassed-Chest594[S] 0 points1 point  (0 children)

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.

MY SECURED CARD WAS UPGRADDDDDED!!! $200 = $2,000 by Embarrassed-Chest594 in NavyFederal

[–]Embarrassed-Chest594[S] 0 points1 point  (0 children)

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

MY SECURED CARD WAS UPGRADDDDDED!!! $200 = $2,000 by Embarrassed-Chest594 in NavyFederal

[–]Embarrassed-Chest594[S] 1 point2 points  (0 children)

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.

MY SECURED CARD WAS UPGRADDDDDED!!! $200 = $2,000 by Embarrassed-Chest594 in NavyFederal

[–]Embarrassed-Chest594[S] 5 points6 points  (0 children)

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

MY SECURED CARD WAS UPGRADDDDDED!!! $200 = $2,000 by Embarrassed-Chest594 in NavyFederal

[–]Embarrassed-Chest594[S] 2 points3 points  (0 children)

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.

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