NFCU nRewards Graduation question. Please help!

[Anonymous]

To anyone that can help; I opened my nRewards card up in April after paying a charge-off I owed them. Have since paid off a few collections and am sitting in the low to mid 6s, and just a couple months ago they raised my limit from $300-600. 

Is this an indication that my card will become unsecured and graduate to the 2k? Though it hasn't been a complete 6 months, it has been 6 statements and not a peep. Could use any info. Am getting antsy!

[Anonymous]

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@Anonymous wrote:

To anyone that can help; I opened my nRewards card up in April after paying a charge-off I owed them. Have since paid off a few collections and am sitting in the low to mid 6s, and just a couple months ago they raised my limit from $300-600. 

Is this an indication that my card will become unsecured and graduate to the 2k? Though it hasn't been a complete 6 months, it has been 6 statements and not a peep. Could use any info. Am getting antsy!

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If they raised your credit limit on a secured card, I'd wager to say it's already unsecured. 

[Anonymous]

It's in my understanding that when the card graduates, it becomes a different card. Mine hasn't changed yet.

[Anonymous]

https://www.navyfederal.org/loans-cards/credit-cards/nrewards-secured/

scroll down to the "How It Works" section and that will shed some light on your situation. Looks like you're in partially secured territory. 

[Anonymous]

Oh wow, thanks!

[Shaw83]

It's a partial increase which is interesting because a lot of us NFCU folks thought they didn't start doing the 3 mos partial until July. Any secured cards prior would be subjected to the 6mos review. I got my card in June and I just got my email saying it's almost time to review my account. 

[Anonymous]

I was surprised when they gave it to me also. I'm really hoping that my card gets graduated! Will keep you updated. My 6 months will be the 16th of this month. Never got the 6-month review email.

[Anonymous]

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@Anonymous wrote:

I was surprised when they gave it to me also. I'm really hoping that my card gets graduated! Will keep you updated. My 6 months will be the 16th of this month. Never got the 6-month review email.

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@Anonymous Any updates?

[Anonymous]

I actually got graduated right before the start of the new year, so Dec 2020. Oddly, right before the card graduated, I had a balance of $563 when the statement cut. Before this I never left over 5%. No idea if that played a role, but I did find it odd. Good luck! I also still never got the "time for review" email.

[KangiCosmos]

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@Anonymous wrote:

I actually got graduated right before the start of the new year, so Dec 2020. Oddly, right before the card graduated, I had a balance of $563 when the statement cut. Before this I never left over 5%. No idea if that played a role, but I did find it odd. Good luck! I also still never got the "time for review" email.

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Upon graduation did they increase your CL?