Navy Rocks!

[CreditMagic7]

That is Fabulous!!! Congratulations on the new NFCU approval with also a APR Reduction!

[Anonymous]

Tip- If your cards are older than 6 months, log into your account and request a cli online. That way it is usually a soft pull. If you call them for a cli, I have read that it results in a hard pull.

Once you have done that, call them directly to request interest rate reductions.

They are very friendly and accomodating.

Cheers.

[Anonymous]

Thanks Credit magic!

[Credit4Growth]

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@Anonymous wrote:

Certainly.

Navy Membership 2.3 years

Checking, savings, Ira, small brokerage account 2.3 years

Secured savings loan for fico pump purposes, 2 years.

Cash rewards 2 years. Starting CL $15,000. one cli  to $21,200.

Navy Platinum 1.5 years Starting CL $25000 two cli's to $40,000.

Happy to share, hope this helps.

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I appreciate you sharing additional DPs!  😃👍

Edit to add: 

It is good to know their stance on the CLOC product... enjoy the excitement, I am reeling in your and others as I garden just a 'wee bit more!

[Credit4Growth]

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@Anonymous wrote:

Yea at the end of the day I would rather have The Plat at 40k; that with a couple mouse clicks I could borrow 12k @ 6.99% if I wanted to without going for a loan and filling out an app and taking more inquirys.

My goal is to get it too 50k. 

Keeps me liquid for my small biz inventory,  investment or whatever.

Cheers.

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@Anonymous @   I have a similar goal for some of the same reasons -cheers

... the the standard 4k CLIs it will take a bit of additional time to get there.

I have a Platinum at 23.1K and a Flagship at 30K.  

Down the road I may consider combining a portion of the limits.  Was your increase the 4K special?

Good luck on your journey! 👍 

[Anonymous]

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@Anonymous wrote:

Called Navy Fed  today to see if I was eligible for Interest rate reductions on my Platinum and Cash Rewards cards.

Plat- lowered from 8.99% to 6.99%

Cash Rewards - lowered from 14.99 to their lowest available 9.65%.

Additionally increased my Platinum credit limit to 40k.

Super friendly rep. Absolute pleasure to deal with.

I LOVE Navy Federal! 

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Wow! That's great! Good for you for phoning and asking. After how many months with each of those cards? Any additional relevant for you DP's you could perhaps share w us? 🙏🏻

[SedimentaryRock]

@Anonymous congratulations. Thanks for mentioning the CLOC situation. I think I was declined for one with NFCU last year and it threw me off. 
Which Navy credit card do I apply for first when starting out with Navy non-secured cards, Platinum or Cash Rewards..? I have a checking and savings account with Navy (about a year old), as well as a secured card they have already done one auto CLI on. My scores are all around 675-690.

Also, do you think it would really be a benefit to get my mortgage through them also? I read they value relationships...I just got my car loan through Wells Fargo though so...hope that wasn't a missed opportunity.

Thanks.

[SPChaser]

Congrats!!!! Darn good CSR call 🥳🥳🥳

[gdale6]

Some great success here, congrats to it

[blindambition]

Navy does indeed ROCK!!! That's their typical service experience. Don't ever remember a bad experience. Congrats on all the success!!!