topic Re: Navy Secured card Graduation ?? in Credit Cards

Navy Secured card Graduation ??

Joeysalaaa — Sat, 07 Feb 2026 13:40:00 GMT

My 6th statement cut today — I use the card heavily, $5k limit, PIF monthly or leave a small balance with 776 Fico and prefect credit overall no lates etc.

They also approved my for unsecured Platinum and personal loan for $20k a month ago. Platinum is $0 balance !

How soon after the 6th statement does the card usually graduate ? Same day ? Few days later ? I know it’s not guaranteed but I’d like to see those with experience weigh in.

Thank you guys !

Re: Navy Secured card Graduation ??

E36 — Tue, 10 Feb 2026 21:46:36 GMT

It should be soon. Any update?

Re: Navy Secured card Graduation ??

pizzadude — Tue, 10 Feb 2026 21:56:41 GMT

What is your limit on your unsecured Platinum card ?

Worst case you could just open another unsecured card with NFCU

Re: Navy Secured card Graduation ??

Joeysalaaa — Tue, 10 Feb 2026 22:04:26 GMT

No graduation yet my statement cut 3 days ago. Navy is so weird and slow !!! They said it's the EQ they review for graduation and my FICO 9 is 740. My limit is $5k on and $2500 unsecured but approved me for $20,000 personal loan. So weird but what can I do it's all automated !!!

Re: Navy Secured card Graduation ??

Vinjints — Tue, 10 Feb 2026 22:57:34 GMT

P4 got her very first card last January for 500 secured. Bumped to 900 in April. Graduated in August to 2k.

Re: Navy Secured card Graduation ??

Joeysalaaa — Wed, 11 Feb 2026 18:31:57 GMT

Update !!

Graduated today !!! $5k limit jumped to $13k wooooooo !!! Getting my $5k cash back in my savings too !!!

thank you all !

Re: Navy Secured card Graduation ??

Vinjints — Wed, 11 Feb 2026 18:33:15 GMT

Heyoo! Didn't realize they graduated with the 8k bump. Nicely done.

Re: Navy Secured card Graduation ??

Joeysalaaa — Wed, 11 Feb 2026 18:36:08 GMT

They don't LOL -- I hit the apply button right after I saw it graduated and Boom ! $8k bump !!

And thank you !! 😊

Re: Navy Secured card Graduation ??

FicoMike0 — Wed, 11 Feb 2026 18:57:12 GMT

Congratulations!

Everyone loves navy!

Re: Navy Secured card Graduation ??

pizzadude — Wed, 11 Feb 2026 19:39:03 GMT

Congrats on your card unsecuring and also the CLI luv from Navy !

Re: Navy Secured card Graduation ??

E36 — Wed, 11 Feb 2026 21:47:32 GMT

Congratulations! NavyFed is awesome!