You can't manually request a graduation or increase to force it. Based on your other approval, it should be any time now.
@Anonymous wrote:Good Morning,
I have a Navy Federal secure card that I've had for about 5-6mths. The card has not graduated. I bit the bullet and applied for a CashRewards since my secure card hadn't automatically increased. I was approved for the CashRewards with a high limit on Wednesday. My question is how long should I wait to manually request an increase on my secure CC to see if they will graduate it?
Just wait for graduation. If they already approved you for a big limit, they must be liking where you are. Just sit back and enjoy the ride
.
@Anonymous wrote:Good Morning,
I have a Navy Federal secure card that I've had for about 5-6mths. The card has not graduated. I bit the bullet and applied for a CashRewards since my secure card hadn't automatically increased. I was approved for the CashRewards with a high limit on Wednesday. My question is how long should I wait to manually request an increase on my secure CC to see if they will graduate it?
As others have explained, the CLI request doesn't affect graduation of the secure nRewards card.
You are eligible to request a CLI on the secure nRewards card after 91 days after your nRewards card was approved AND at least 3 full, 25-day billing cycles have passed. Lock your CRs first, then go online or use the Navy Fed app and request the CLI.
Have a little more patience. You're almost there. Graduation usually takes a minimum of 6 months (7 months if your first billing cycle was a short one or you don't have FICO scores until after 6 months).
@Anonymous wrote:Thank you all. Since I don't really need the increase. I will sit back and let it graduate automatically and as advice swap for a moreRewards the card when it does upgrade
Since rewards points don't transfer between Navy Fed CCs, make sure you go online or use the Navy Fed app to redeem all your rewards points AFTER your secure nRewards card graduates to the cashRewards card. The balance of points will convert to 1.5% cash back. These points are only worth 1% while it's the nRewards card, so if you can wait until graduation, you'll get 50% more cash back. Redeem the cash back, then request a PC to a More Rewards AMEX card.