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Is Navy Federal quick to match limits

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Anonymous
Not applicable

Is Navy Federal quick to match limits

When I opened my Navy Federal Cash Rewards card, they gave me a limit of $1600. Before that my next highest was my QS at $1100. Within a month, I have opened a Discover with $7,000, and Venture with a $5K SL. Can I expect Navy to match (or drastically exceed)? Any data points would be greatly appreciated. 

Message 1 of 10
9 REPLIES 9
CreditInspired
Community Leader
Super Contributor

Re: Is Navy Federal quick to match limits

NFCU will drastically exceed Discover as long as nothing negatively impacts your credit.


|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 2 of 10
Anonymous
Not applicable

Re: Is Navy Federal quick to match limits

Message 3 of 10
AverageJoesCredit
Legendary Contributor

Re: Is Navy Federal quick to match limits

Navy will most likely bomb the competitionSmiley Wink. I went from $500 to $5000 in 4 monthsSmiley Happy. I have higher cards for now but for comparison, Penfed has given me only $1500, which was a battle to get increased eith a year history. Apples and oranges for sure but you can see how generous Navy isSmiley Happy
Message 4 of 10
fltireguy
Valued Contributor

Re: Is Navy Federal quick to match limits

NFCU should exceed your highest CL
They are my highest, $23k on my Cash Rewarda
Next closest is PenFed @$15k
NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 5 of 10
rmduhon
Valued Contributor

Re: Is Navy Federal quick to match limits

I started out with a GoRewards at 2,500. When the AR happened in got a CLI to 17k, which did match my Lowe's card. Don't know if that made a difference or not.
Message 6 of 10
Blackswizz750
Established Contributor

Re: Is Navy Federal quick to match limits

I did $2,100 to $10,000 in 4 months. They have greatly exceeded my expectations. Discover is no match for CLI's if you have no negatives.

Message 7 of 10
RockinRay
Valued Contributor

Re: Is Navy Federal quick to match limits

They came close for me, and I will pit them against the other Credit Union cards I / we have:

 

1. PenFed Cash Rewards: $40k CL

2. Wings FCU Cash Rewards: $25k CL

3. Navy Cash Rewards: $24k CL

 

So they are not at the top of my list, although they are very close to Wings.

Ray

** Every Card has a Job, and Every Card does its Job **
Message 8 of 10
Anonymous
Not applicable

Re: Is Navy Federal quick to match limits


@RockinRay wrote:

They came close for me, and I will pit them against the other Credit Union cards I / we have:

 

1. PenFed Cash Rewards: $40k CL

2. Wings FCU Cash Rewards: $25k CL

3. Navy Cash Rewards: $24k CL

 

So they are not at the top of my list, although they are very close to Wings.


I look forward to it. Will report back in two more months.

Message 9 of 10
K-in-Boston
Credit Mentor

Re: Is Navy Federal quick to match limits

For those with lower and middle credit lines, the answer seems to be yes. My starting line was $24k, which is generous but below some of my revolving lines. YMMV

I respectfully disagree on the Discover comment, though. I have no negatives and I am still only at $6500 after a year, so Discover is one of my lowest lines. Disappointing as I would love to take advantage of a massive 18 month BT.
Message 10 of 10
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