I opened an nRewards secured in March of 2016 with a limit of $500. Increased the limit to $800 a week or two later. Perfect payment history since, with the exception of in November or December where the statement balance was $25, but the minimum payment was $0.00. I wasn't late on the payment, it just accrued a few cents of interest.
Since then I have opened a Discover It with a $1500 limit and that has been my daily driver with 100% perfect payment history. I charge a little (and pay off in full) on the nRewards each month in hopes of upping my chances of unsecuring.
My credit scores are as follows:
745 FICO9 according to Navy Fed
731 according to Discover's FICO score
725 TU 733 Equifax according to Credit Karma
I don't need the $800, but I am frusturated that Navy Fed is holding my money hostage when I have a good credit score, no late payments and I have a checking and certificate with them. I called and SM'd with no luck. All data points that said that they have secured seem to be from a few years ago. Has anyone recently had their card unsecured by Navy Fed?
