What’s the longest period of time you’ve seen Navy Fed keep a secured card from graduation?

[SN1209]

I'm going on 19 months with no idea why. My scores have increased almost 200 points since I got their secured card last year, my income has doubled, I've been approved for other cards (including a Wells Fargo secured upgrade that took 4.5 years to graduate) and still nothing. All I can get out of them is that the system reviews accounts and I'm free to apply for other products. Anyone else have a long timer?

[tcbofade]

Yes, but not me.  Someone here is past the two year mark and is STILL waiting for the card to unsecure.

For whatever reason, some cards just get "stuck" for a very long time with them.

Honestly, if you're in a hurry, you're better off applying for a new, unsecured card with them.

Good luck!

[jonnyc]

I opened my nRewards back in August of 2019 with the minimum $200 limit and ran approx $3k through the card each month. I was extremely fed up with the lack of growth and would call in to inquire about what I can do once every few months after I passed the first year or so. Back in June of this year when I called I was told I could send a secure message to ask for a manual review. I sent a message detailing my frustration, and how I've switched all my banking to NFCU and put a large chunk of my spend through this card. A couple of days later I received a message that they've manually  unsecured my account and graduated to a $2k limit.

I know they say its only possible by a system review, but I think my experience proves that isn’t the case. Also note, my statements cut on the 20th and this happened between the 30th-2nd.

[SN1209]

That's so awesome they did that, and also what they've told me repeatedly they cannot do. I also sent a message detailing the same things you did and got the reply that it's all automated and I just have to wait. 

[pcmedic2k]

Just out of curiosity have you tried their Pre-Qual to see if you may qualify for a different card? Can't hurt to check as it is a soft pull 
Earlier this year after attempting a few times for CLI's on my CashRewards that had sat at 15K for almost 2 years only to be declined each time, I tried their pre-qual page. Came back showing a few of their cards I was prequalified for so pulled the trigger on the Platinum. To my suprise APPROVED with 19.1K SL. 

[SN1209]

Yeah, I've tried that too with no success. I have had times where I "prequalified" for every product they have, only to be declined at app, then other times it just gives me the secured prequal again. Can't make sense of it. 

[FinStar]

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@SN1209 wrote:

Yeah, I've tried that too with no success. I have had times where I "prequalified" for every product they have, only to be declined at app, then other times it just gives me the secured prequal again. Can't make sense of it. 

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It's been mentioned here (plenty of DPs around) that the NFCU pre-qualification isn't reliable nor 100% guaranteed. If you meet NFCU's UW criteria they will approve the card with or w/o a pre-qualification.