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Navy Federal Is The Best!!!!!

By miakayuuki , in Credit Forum

The last post in this topic was posted 2718 days ago. 

 

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miakayuuki   

Posted

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!

 

 

 

 

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michda   

Posted

Super congrats! I recently joined Navy and they have been good to me already. I can't wait to take my relationship with them to the next level lol!

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melikey   

Posted (edited)

tl;dr but I know how these stories usually go so congrats!

tl;dr... Foeplay what does that mean??

 

Congrats OP! They've been just as good to me so I understand how you feel!

 

Mind sharing your stats?

Edited by melikey

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miakayuuki   

Posted

 

tl;dr but I know how these stories usually go so congrats!

tl;dr... Foeplay what does that mean??

 

Congrats OP! They've been just as good to me so I understand how you feel!

 

Mind sharing your stats?

I had to look this one up too

 

tl;dr - Too Long; Didn't Read.

 

As for stats what did you want to know?

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melikey   

Posted

 

 

tl;dr but I know how these stories usually go so congrats!

tl;dr... Foeplay what does that mean??

 

Congrats OP! They've been just as good to me so I understand how you feel!

 

Mind sharing your stats?

I had to look this one up too

 

tl;dr - Too Long; Didn't Read.

 

As for stats what did you want to know?

Scores? Baddies?

 

Thanks!

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miakayuuki   

Posted

 

 

 

tl;dr but I know how these stories usually go so congrats!

tl;dr... Foeplay what does that mean??

 

Congrats OP! They've been just as good to me so I understand how you feel!

 

Mind sharing your stats?

I had to look this one up too

 

tl;dr - Too Long; Didn't Read.

 

As for stats what did you want to know?

Scores? Baddies?

 

Thanks!

Here is what I can provide. Navy Federal pulled Equifax for the NavCheck. MPM shows my FAKO score on Equifax as a 660. If I had to luck out on any one bureau this was it as there are no baddies on this report other than an 8 year old Chapter 7 BK. There was also only one other inquiry on Equifax in the last 2 years.

 

I can confirm there was no pull for the Visa limit increase.

 

Please let me know if I missed any details.

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