Navy Federal Auto Increase

user979797 · ‎05-12-2026

I just did a balance transfer onto my Platinum card with Navy Federal because they sent me a 0% apr for 12 month offer. My statement just cut and they increased my limit by 5K and lowered my APR on the card. I am very happy with Navy and their auto love; it is nice not having to apply for a CLI with them as they continue to increase both my cards automatically. I do not need the max 8k my limits are already very nice with them so Ill just take what they want to give when they want to give it. WOO HOO!!!! GO NAVY!

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coreyb80 · ‎05-12-2026

Congrats on the increase!

Varsity_Lu · ‎05-12-2026

Nice! I am eyeing the Cash Rewards Plus card for this fall. I have a large insurance premium that I need to pay and they currently have a $250 sub which would be nice. Probably won't use the card a ton long term, but it might be a keeper just for the CLIs.

FICO® 8: 844 (Eq) · 838 (Ex) · 812 (TU)
Clean | Thick | Mature | New Revolver

Copenix · ‎05-13-2026

Awesome. Congrats on your CLI.

Building credit in the U.S. since January 2022

Current cards:

Total Credit Limit $117.8K | Utilization 0.9%

FICO 8s March 2026

JoeRockhead · ‎05-13-2026

No better surprise than an auto CLI, congratulations on your new limit!

Total_Synergy · ‎05-14-2026

Congratulations @user979797 ! Great to hear about your 0% BT offer

Personal TCL ~$400k [Goals Met: 1+ Card with each of the Top 10+ (US) Personal Issuers; $0 Fees; Recurring 0% BT Offers; Team Cashback]:

Business TCL ~$100k [Goals Met: 2 Cards with each of the Top 3 (US) Business Issuers; $0 Annual Fees; Team Cashback]:

RIP:

* Personal FICO 8 (09/25): TU/EX ~775 (AoOA 3.8yrs, AAoA 2.5yrs), EQ ~825 (still reporting 2 cards closed 13+ yrs ago, AoOA 3.8yrs, AAoA 3.7yrs).
* Began in 1984 w/ Amex Gold Personal + Diners Club Corporate in 1990s. Just these 2 for years. Very little FICO knowledge until CARD Act (2010).
* Note: I have history w/ many lenders; so not always 'internally new to them' even though CRAs show 'new' AAoA. I don't track my Business CRAs.
* Acknowledgements: @Aim_High for 'HTML/Signature inspiration' and ALL myFICOers for helping me to optimize a well-earning card portfolio!!