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Found 2 results

  1. Greetings All, Well... I just don't know what to say.. Navy Federal has brought a tear to my eye tonight. This all started about 13 months ago where as part of my credit repair I opened a Secured nRewards Visa for 2k. Six months into this I raised the deposit and thus the credit limit to 5k, and then 8 months in up to 10k. In each case there was no credit pull for an increase, just the additional deposit. At 12 months on the mark, they automaticly released the 10k on hold in my share account and unsecured the card. I did not request this, heck, I did not even know until I logged in and noticed I had a much higher available balance in my share account. After that, I called and inquired if I could have my card switched to the Flagship Visa Signature card. They did it without hesitation and without a credit pull. Given my international travels, this card serves me very well even with the annual fee. The additional rewards, lack of foreign fees, and extra perks more than make up for the annual fee. And that brings us to today, month 13. I decided to roll the dice and try for a NavCheck just to see what would happen. I hate to eat in inquiry, but thought it was worth the risk. I decided to go for broke and requested the maximum a 15k limit. Instant Approval on the website. I then asked to be transfered to the credit card department, and asked if it was possible to use the same inquiry to check for a credit increase. I mean, if that one went so well, lets see what else I can do. I was informed they are a seperate department and if the request had to go to manual review, it would require an additional credit pull. I asked if we could check for an instant approval and retract the request if it required a manual before a credit pull was performed. He said yes, that can be done. Well, I asked for an increase from 10k to 15k. I was informed the system would auto approve me for up to 22k, I was then asked if I wanted the 15k I requested or the 22k that was offered. Heck yes, I took the 22k. There was no credit pull required for this increase. I feel like I am still dreaming. This is far and away the largest limit card I have, with the next best one being an old Orchard card, now Capital One for $1600... I am 100% sold on Navy Federal. By far they have taken care of me more than I could ever have asked for. Even during those calls they kept thanking me for being such a good customer. Telling me that is why they are willing to do what they have done. They seem far more concerned with my relationship with them than past issues and problems. For any of you that are lucky enough to be Navy Federal members, take care of your comittments to them, they will do the same for you in turn. Thanks for listening, and joining in my joy!
  2. Hey friends, I sort of taken a recent interest in my credit (no pun intended?) and new to the scene and looking for some advice. Ive had bad credit after letting a bank of america secure card go and a bank of america account close back in 2006. Its not showing up now on my credit now and as of last year I opened a secured card with Navy Fed. It brought my score from around 535 per credit karma to now around 736. Ive had perfect payment history and only carried a balance once. I went up to about 95% util but paid it off before the next statement. I bumped it from 500 to 1200. I also just got a secured card through Capital One (in retrospect thinking i should have just applied for a regular card through them!) Anyway my FICO scores from TU and EQ are 712 and 716 respectively now (dont know about experian) but im looking to start getting some more lines of credit. Heres the skinny NavyFed supposedly will unsecure in about 15 days Cap one secured will start showing up in about 21 days I am looking to rent apartments soon. I have 2 hard pulls for the entire year My questions are ...would applying for GE Bank cards (Amazon, Walmart) mess things up with Navy Federal making a decision to unsecure me? Will that impact my score enough to make landlords suspicious? should i just sit my happy flowers down and wait until the navy fed unsecure and new place is over with? On a side note what do u guys think about keeping capital one secured card for 6 months and then going for a venture card or something like that Ultimate goal is to keep cash rewards with navy federal forever (because they have been the best) Obtain a travel rewards card that I can use for business travel through capital one or whoever has the best. and then have something like amazon and walmart cards and possibly a NavCheck line of credit through navy federal Thanks in advance!

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