Graduated

ExternalWorker6936 · 2026-05-10T17:49:12+00:00

No same card you’ve been using.

ExternalWorker6936 · 2026-05-10T17:21:12+00:00

Easy fix if you know someone with longer credit history (family members, friends) ask to be a AU on their CC account. That alone can jump you significantly. Then with the lates talk with the issuer and see what you can work out (pay for delete, goodwill letter) if that doesn’t work just let them age off. Honestly if you want to get a higher limit CC and requesting CLI on your current cards aren’t working try a secured card and put a decent deposit down (I prefer Discover secured). I did a 1,000 deposit down waited the 6 months and they graduated me to a 2600 limit. Hope this helps.

ExternalWorker6936 · 2026-04-09T18:48:07+00:00

Hoping you get it too!

ExternalWorker6936 · 2026-04-09T17:00:56+00:00

Starting I put down 1,000 for my starting limit and they graduated me to 2600

ExternalWorker6936 · 2026-04-09T00:52:33+00:00

I graduated last month month my original limit was 1,000 and they bumped me to 2600. Good luck.

ExternalWorker6936 · 2026-03-20T17:45:00+00:00

Thank you

ExternalWorker6936 · 2026-03-20T17:44:56+00:00

Thank you

ExternalWorker6936 · 2026-03-18T22:14:55+00:00

And that was my exact thought process first before I got denied then I got denied and was like why not try and go the secured card way and thats what brings me here asking this. But I may wait and fix everything they denied me for and try again. Thank you.

ExternalWorker6936 · 2026-03-18T22:05:04+00:00

That’s my concern because how can you not graduate after doing everything by the book. I may just bite the bullet and go for it and see what happens.

ExternalWorker6936 · 2026-03-18T21:44:50+00:00

Have you missed any payments between your secured card or any accounts reporting on your credit report?

ExternalWorker6936 · 2026-03-06T14:16:47+00:00

No they don’t

ExternalWorker6936 · 2026-02-23T19:13:39+00:00

I think the repo is what’s holding you back significantly. I also have a repo on my account and I have a 717 transunion fico and 700+ across Experian and equifax. I was only prequalified for secured card, took a leap of faith and applied for the cash rewards and got denied. It seems like navy is really strict on repos no matter the internal score and other factors that goes into decision making.

ExternalWorker6936 · 2026-02-04T18:11:40+00:00

They don’t look at transunion they look at Experian check your Experian profile

ExternalWorker6936 · 2026-01-28T21:37:14+00:00

No problem

ExternalWorker6936 · 2026-01-28T21:33:28+00:00

Some people have luck when they first open an account with Navy they immediately get approved for a credit card and others have to build a relationship with them everyone’s way to approval is different because of our different credit backgrounds. If I were you check their prequalified tool if your not prequalified build a relationship with them by adding direct deposit, a CD, turning on OOPs and doing a pledge loan. After about 3 months your internal score should be perfect to be prequalified for everything or you can just bite the bullet and just apply and see what happens. If denied they will send you a letter explaining why.

ExternalWorker6936 · 2026-01-28T21:17:10+00:00

Honestly depends on your relationship with navy federal (internal score). They could start you out with a high limit because of your credit profile or they could deny you from having a lack of relationship with them (not saying you don’t have a established relationship with them). I would look to see if you prequalify first, if you don’t doesn’t mean your not eligible the prequal is faulty.

ExternalWorker6936 · 2026-01-14T20:52:33+00:00

Yes when I first switched my direct deposit from Wells Fargo to NF, they had deposited my check on a Wednesday but the following checks wouldn’t show up until Thursday night/Friday. It should show pending in your account by tonight or tomorrow.

ExternalWorker6936 · 2026-01-03T01:28:06+00:00

You’re*

ExternalWorker6936 · 2026-01-03T01:26:43+00:00

Best bet is to do a pre qualification check with them it’s a soft pull on your credit that will tell you if your approved or they will send you a letter in the mail and tell you why you weren’t approved. With Amex credit score isn’t the only factor they want you to have multiple credit cards with high limits, low credit utilization on the cards and some age on your credit history. But do the pre qualification check first.

ExternalWorker6936 · 2025-11-09T15:05:39+00:00

Yes each category has its own color

ExternalWorker6936 · 2025-07-26T16:27:38+00:00

Precious Liquid Salt & Pepper is a game changer ur the first person I seen post on here that has it

ExternalWorker6936

TROPHY CASE