topic Re: NFCU Flagship Approval in Credit Card Approvals

NFCU Flagship Approval

ccquest — Sun, 22 Feb 2026 17:08:28 GMT

Popping in to share a new approval and update my signature. I originally joined NFCU when I started my credit card journey but never pulled the trigger because the cards weren't compelling for where I was at the time.

Today I decided to pull the trigger on the Flagship Rewards and got an approval for $7,200 which is a bit disappointing given some of the SL I've seen out there, but should be plenty good for my actual needs. Main things I were interested in were the credits for Amazon Prime annually (mine charges in April) and Global Entry.

They pulled TransUnion which was 801 prior to the app, I'm in Florida and income of $120k.

Sometime later this year I'll be going back in to see what sort of CLI I can get, I at least want a "round" number to work with!

Re: NFCU Flagship Approval

Vinjints — Sun, 22 Feb 2026 17:12:35 GMT

You're in the door and get the perks you were after. Another three months you can get it raised again. Congratulations.

And there should be a rule against these xx,#00 limits.

Re: NFCU Flagship Approval

pizzadude — Sun, 22 Feb 2026 19:29:27 GMT

Congrats, and agree you'll have plenty of upside on your CL with Navy.

I'd bet on your odds being good for an $8K CLI in 90 days, so keep us posted

Re: NFCU Flagship Approval

Realist — Mon, 23 Feb 2026 04:03:08 GMT

Congrats. It's a noteworthy card.

They tossed two offers at me two months apart, 50k points and the free Amazon Prime subscription. I was almost going to sign up, but then I had an epiphany. There was something much better for me to use my hard inquiry on. NavyFed was good, but this was better.

But yes, had that not occurred, I'd be right there with you - for the free Prime. It's on the list still, but I still have things to do first.

Re: NFCU Flagship Approval

PayAndProsper — Mon, 23 Feb 2026 10:47:39 GMT

Congratulations on your approval! It does not take too long to grow a Navy Federal credit limit. Now that you're in, just put some responsible usage through the card and you will be happy with your limit in no time.

Re: NFCU Flagship Approval

Navaster — Mon, 23 Feb 2026 23:59:59 GMT

Congrats on the approval. That card will grow fast. I wouldn't worry about your SL. Thanks for the datapoints as well.

Re: NFCU Flagship Approval

FicoMike0 — Tue, 24 Feb 2026 00:28:55 GMT

Congratulations!

My experience is, I put the spend on it to make the sub and at 3 months, they did an auto cli of +$2000. Nice, but it locked me out from requesting a cli for another 6 months. Since then, they've approved a +$8000 cli request every 6 months, regardless of spend. Since they don't ask how much you want, there's no way to get rid of the x00.00 on my cl. Maybe if you call, I used the app.

Re: NFCU Flagship Approval

Snook_on_the_Line — Tue, 24 Feb 2026 04:01:11 GMT

@FicoMike0

You can actually turn off auto clis thru the chat with navy

then hit that Cli button for 8k every 181 days

Re: NFCU Flagship Approval

FicoMike0 — Tue, 24 Feb 2026 04:27:53 GMT

Thanks @Snook_on_the_Line , good to know!

They have only given me that first auto cli, after I put $3500 spend through in 3 months. Since then, no auto cli, likely because I seldom go over $100 spend. Regardless, they've approved cli requests, I'm at $24,500 now.

Re: NFCU Flagship Approval

coreyb80 — Tue, 24 Feb 2026 17:46:35 GMT

Congrats on the approval!

Re: NFCU Flagship Approval

ccquest — Thu, 26 Feb 2026 00:46:45 GMT

Appreciate the comments and good info on the future CLI potential. Can't say I need anymore at all, but I'll work on the adventure again

I've got some travel plans to book to hit the $3500 spend requirement as well so I'm curious if I'll get the auto CLI right after the 90 days clears.

Re: NFCU Flagship Approval

E36 — Sat, 28 Feb 2026 23:20:23 GMT

@ccquest wrote:
Popping in to share a new approval and update my signature. I originally joined NFCU when I started my credit card journey but never pulled the trigger because the cards weren't compelling for where I was at the time.

Today I decided to pull the trigger on the Flagship Rewards and got an approval for $7,200 which is a bit disappointing given some of the SL I've seen out there, but should be plenty good for my actual needs. Main things I were interested in were the credits for Amazon Prime annually (mine charges in April) and Global Entry.

They pulled TransUnion which was 801 prior to the app, I'm in Florida and income of $120k.

Sometime later this year I'll be going back in to see what sort of CLI I can get, I at least want a "round" number to work with!

Do you bank there? Do you leave a lot of money with NavyFed? I heard it's tough to get Flagship

Re: NFCU Flagship Approval

cashorcharge — Sat, 07 Mar 2026 14:34:33 GMT

Congratulations on your Approval!!👏🏼🍾🥂

Re: NFCU Flagship Approval

ccquest — Thu, 26 Mar 2026 23:16:57 GMT

Do you consider $55.53 in the share account a lot? The only relationship I've had with them since I opened the account originally is putting in the required $50 back in November 2020. I didn't think it would be this long before I opened a card with them, but time flies.

Re: NFCU Flagship Approval

Flarty — Fri, 27 Mar 2026 00:41:09 GMT

I think you can knock that share thing down by now. I might only have five bucks in mine these days <3