How many Navy Federal Credit Cards can you have?

[jazzyvar84]

Hello all. I was just approved for my second Navy Federal credit card. It only has a $3,000 limit, but hey. How many Navy Federal cards can you have? I’m finding all this strange. I was approved for a discover card this week as well. My credit score is only like 602. Something strange is going on, but me thinks me likes. Side note: how do I work up to big limits? I have two capitol one cards $500 each, Merrick bank $1000, Navy Federal $8,800, Navy Federal $3,000, Discover $750, Citibank secured $500, and I’m an authorized user on my grandmother’s chase card (I’m the only user) $5,000.

[M_Smart007]

Welcome To myFICO Forums and

Congrats!!

[jazzyvar84]

I’ve seen the garden comment several times. What does it mean exactly???

[M_Smart007]

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@jazzyvar84 wrote:
I’ve seen the garden comment several times. What does it mean exactly???

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What it Means to Garden,

https://ficoforums.myfico.com/t5/Personal-Finance/Garden-Club-July-2019/m-p/5665085#M103194

[Anonymous]

Congrats on the approval for your new card! Enjoy!

Also, you can have up to 3 cards with NFCU!

Growing your cards to bigger limits is profile and lender specific. But generally, use and pay all your cards on time, clean up your credit reports if you have any baddies, allow your cards to age, etc. For many lenders, as your score grows and you show that you use their cards, your CL can grow through manual or auto CLIs! However, again, this depends on the lender.

[calyx]

Congrats on your Navy approval!

As for higher limits - it's going to take time and improvement in your profile.
Disco and Navy tend to be pretty generous, your Citi could graduate with responsible use and while **bleep** won't grow as fast, it can grow nicely, as for Cap1 - they are known to "bucket" your cards based on the profile you have when you get them (they'll reach a cap you can't get past).

Gardening is just sitting on your cards, letting your tradelines age, and not applying for new credit.   These (along with paying your cards every month and watching your utilization) are tried and true ways to improve your profile and score.

[Shooting-For-800]

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@jazzyvar84 wrote:
Hello all. I was just approved for my second Navy Federal credit card. It only has a $3,000 limit, but hey. How many Navy Federal cards can you have? I’m finding all this strange. I was approved for a discover card this week as well. My credit score is only like 602. Something strange is going on, but me thinks me likes. Side note: how do I work up to big limits? I have two capitol one cards $500 each, Merrick bank $1000, Navy Federal $8,800, Navy Federal $3,000, Discover $750, Citibank secured $500, and I’m an authorized user on my grandmother’s chase card (I’m the only user) $5,000.

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I would use both Navy cards and Discover for most of your purchases. 

Use em, pay em, grow em.

Cap One and Merrick will not grow much if at all.

GL!

[jazzyvar84]

Thanks for the advice! What about Citi? I have a secured Citi card. Will it graduate if I use it heavily and pay it off regularly???

[calyx]

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@jazzyvar84 wrote:
Thanks for the advice! What about Citi? I have a secured Citi card. Will it graduate if I use it heavily and pay it off regularly???

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There's not a lot of info out there regarding what Citi likes for the secured card.  
I have one and I don't use it heavily (since there are no cashback or point benefits), though I do use it every month - I just keep my balances reporting at <28.9% (I do not practice AZEO, and I only make sure to report less than 30% on individual cards).   Citi will start account reviews at 11months and it's possible to graduate early, but no one seems to know exactly what they're specifically looking for as far as usage.   I imagine they must like swipe fees and paying on time, though

[Anonymous]

Congrats on the approval. Low limit currently but will grow over time. I would definately SD the Cap One and Merrick cards. My wife had a Citi Secured card, it graduated at 11 months however, YMMV