@Anonymous wrote:
@Matt9543 wrote:
@Anonymous wrote:
@Matt9543 wrote:If you're approved for a credit limit like $1,500, and then ask for a CLI later and go about $5,000, will Navy Fed upgrade you from a regular card to a Signature card?
Yeah, just seems to take awhile to go through. I just had that happen on mine and the first indication I saw of it happening was on my statement that cut following the CLI. It indicated it was a Signature on the statement. Then the name changed to reflect it was a Signature in the account list a few days later. When I called them this morning I inquired about it and she indicated that it had been processed last weekend (2/29-3/01) during their maintanence and the card should be shipping any day.
So theoretically it could take a couple days afterwards and then the account number will change, I'm assuming. Good to know. Thanks for the info!
@Matt9543 When i originally got my 7500 CLI on each card (same day) They showed up as VS and WMC on the website immediately and the new sig cards were in my hands within a week, same numbers and everything. I don't even think the CVC# changed either, but i can check
I'm just mainly curious as I got approved for the cashRewards with a 11.15% APR but only a $1,400 credit limit, and wanted to see if I would at any time get the signature benefits. Also, if at any time I want to move it to a MasterCard, is that possible?
edit: so the same card number but signature benefits??
@Anonymous wrote:
@Matt9543 wrote:
I'm just mainly curious as I got approved for the cashRewards with a 11.15% APR but only a $1,400 credit limit, and wanted to see if I would at any time get the signature benefits. Also, if at any time I want to move it to a MasterCard, is that possible?edit: so the same card number but signature benefits??
@Matt9543 Yes, once your card goes over 5k, you automatically get upgraded to the sig benefits and a new card is sent out. My two the got upgraded to sig, one started as a 1k CR and the other a 4k GR, so i know it's possible. One exception is Platinum as it doesn't have VS or WMC abilities. It is exactly the same everything with the added benefits to your already existing account.
Yes, you can transfer between card types/benefits, however just like when you change card types, i would say that you would want to use up your points so you don't lose them when transfering between program or billing network. I have changed my cards around many times, but i have stuck with a certain billing network with certain cards (personal pref only) so i'm not sure if you change the network type but keep the same program if your points/CB will remain.
Ah, okay! Thanks for all the information. I'll probably just stick with the visa version, but it's good to know that you'll automatically get moved to the signature benefits. I'm trying to consolidate all my spend down to Navy Federal cards, and I've been super impressed with the ease of it all. Plus, I was considerin at one point doing a Line of Credit, but theoretically the interest rate would be lower on this card compared to getting the line of Credit, since the cash advance APR is only 2% higher than the purchase, but still lower than the lowest APR of the loc. Do you have any advice on this also?
@Matt9543 wrote:
@Anonymous wrote:
@Matt9543 wrote:
I'm just mainly curious as I got approved for the cashRewards with a 11.15% APR but only a $1,400 credit limit, and wanted to see if I would at any time get the signature benefits. Also, if at any time I want to move it to a MasterCard, is that possible?edit: so the same card number but signature benefits??
@Matt9543 Yes, once your card goes over 5k, you automatically get upgraded to the sig benefits and a new card is sent out. My two the got upgraded to sig, one started as a 1k CR and the other a 4k GR, so i know it's possible. One exception is Platinum as it doesn't have VS or WMC abilities. It is exactly the same everything with the added benefits to your already existing account.
Yes, you can transfer between card types/benefits, however just like when you change card types, i would say that you would want to use up your points so you don't lose them when transfering between program or billing network. I have changed my cards around many times, but i have stuck with a certain billing network with certain cards (personal pref only) so i'm not sure if you change the network type but keep the same program if your points/CB will remain.
Ah, okay! Thanks for all the information. I'll probably just stick with the visa version, but it's good to know that you'll automatically get moved to the signature benefits. I'm trying to consolidate all my spend down to Navy Federal cards, and I've been super impressed with the ease of it all. Plus, I was considerin at one point doing a Line of Credit, but theoretically the interest rate would be lower on this card compared to getting the line of Credit, since the cash advance APR is only 2% higher than the purchase, but still lower than the lowest APR of the loc. Do you have any advice on this also?
@Matt9543 I love Navy and i love to help as i was once in your shoes, so YES i can speak to that 
The CLOC is super awesome to have for the OD protection. That being said, NEVER use it. Even if you get the lowest APR it has, it's daily not monthly like the cards, so it adds up fast. It is amazing Util padding, and if you do, ask for the max of 15k and take what they offer as it will grow like the cards do.
@Anonymous wrote:
I was actually wondering about that myself, but came to the conclusion that that had to be the case. Thanks for confirming!
@Anonymous Always glad to help, and if you want to know anything, just ask. Best helpful community around 
Seems like forever ago now, but we all were new to this at some point 
@Anonymous wrote:
@M_Smart007 wrote:
Well today is 91/3 .. longest wait ever!!!!
Short story, If I put my full income, I have to upload tons & tons of documents everytime.
If I put 1/10th of My income here is the outcome .. Instant approval !!!
@M_Smart007 Congrats on the FS and the CLI, as if we had any doubt you could and did get it
Your 1/10th... is probably triple or more my normal income
Lol, lucky you guys, mine is only his / and maybe not for long.
Grats @M_Smart007 Those are some terrific limits.
@AverageJoesCredit wrote:
@Anonymous wrote:
@M_Smart007 wrote:
Well today is 91/3 .. longest wait ever!!!!
Short story, If I put my full income, I have to upload tons & tons of documents everytime.
If I put 1/10th of My income here is the outcome .. Instant approval !!!
@M_Smart007 Congrats on the FS and the CLI, as if we had any doubt you could and did get it
Your 1/10th... is probably triple or more my normal income
Lol, lucky you guys, mine is only his / and maybe not for long
Grats @M_Smart007 Those are some terrific limits
@AverageJoesCredit Power of the LIE'er... maybe no 25k instant approvals, but we'll match those limits.. someday
@Anonymous wrote:
@AverageJoesCredit wrote:
@Anonymous wrote:
@M_Smart007 wrote:
Well today is 91/3 .. longest wait ever!!!!
Short story, If I put my full income, I have to upload tons & tons of documents everytime.
If I put 1/10th of My income here is the outcome .. Instant approval !!!
@M_Smart007 Congrats on the FS and the CLI, as if we had any doubt you could and did get it
Your 1/10th... is probably triple or more my normal income
Lol, lucky you guys, mine is only his / and maybe not for long
Grats @M_Smart007 Those are some terrific limits
@AverageJoesCredit Power of the LIE'er... maybe no 25k instant approvals, but we'll match those limits.. someday
Ive tried on both cards recently for cli. Everything locked up so whats the harm? I get an email like 2 days letter, dont even open i knew they were denied. Kinda like Discover, insta denials but it only needs to happen once