navy federal credit limit increase reddit

reddit.com › r/navyfederal › credit increase

r/NavyFederal on Reddit: Credit increase

November 14, 2025 -

Good evening, for those that have requested an increase on your credit card limit how hard was it to get it? I have the signature flagship rewards card and was thinking about asking for an increase. Thanks

Top answer

1 of 5

As long as you've been responsible with your card & overall credit profile, it's usually pretty instant after you enter your income and housing information. There are times where it may need to be reviewed which could take a few business days. But overall, it's not a difficult ordeal. Request using the Increase Limit link in the app or website to avoid a hard inquiry that can result from requesting by phone, secure message or in person

2 of 5

I've never had an increase. Good/ great credit. Several loans paid off. Never. But others get them religiously.

Good news from NFCU May 25, 2026

r/NavyFederal

3mo ago

started my journey with Navy Federal as a new member with a single credit card and a $500 limit. After six months of making every payment on time and paying the balance in full, I requested a credit limit increase and was approved for an $1,800 limit. Now 6 months later; BOOM! : r/NavyFederal Jun 3, 2026

r/NavyFederal

3mo ago

Raise credit limit Aug 3, 2024

r/NavyFederal

2y ago

Navy federal rewards credit card limit not increasing Jun 10, 2026

r/NavyFederal

3mo ago

NFCU reduced my credit limit after I requested a credit limit increase Jul 1, 2026

r/NavyFederal

2mo ago

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reddit.com › r/navyfederal › credit limit increase

r/NavyFederal on Reddit: Credit Limit Increase

February 4, 2025 -

Do you apply for this or usually navy fed increase your limit automatically?

Share your credit increase and credit journey below! 💕

Top answer

1 of 4

They will sometimes give CLIs automatically, but you‘re likely to get them more frequently and at higher amounts if you request them through the app, which is done with a soft pull. Don’t call or send a secure message to request one unless you don’t mind a hard pull on your credit. First increase has to be after 91 days and 3 full 30 day statements. After that, every 182 days. You no longer request an amount. They’ll give CLIs of 3x your current limit up to a max of $8K per increase.

2 of 4

I posted my journey before, but I'll post it again. I got my first card with Navy Federal 3 days after joining. With only $5 in my savings account that I had to put in when I joined. It was a $1,000 More Rewards. By following the 91/3 rule, I ended up with three cards. My second card was $11,000 Go Rewards, and the third card was a $20,000 Cash Rewards. And after nine increases on those three cards. I hit the $80,000 max credit limit in only a little over 18 months. I didn't wait around for Navy Federal to get off the couch and give me an increase. I asked as soon as I was eligible. Oh, by the way, there is still only $5 in my savings account that I had to put in when I joined. I don't use Navy Federal as a bank at all. I use them only for their credit products. I also was approved for two $20,000 loans, one for a side-by-side and the other for a truck. Before I got the loans for the side by side I did a 6-month pledge loan when that one ended I did a 3-year pledge loan. I've only been with Navy Federal for a little over 5 years

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reddit.com › r/navyfederal › thinking about a credit line increase

r/NavyFederal on Reddit: Thinking about a credit line increase

April 7, 2025 -

So im thinking about having Navy Federal do a credit pull on me to have my the max balance on this card to have a higher credit limit, i currently have a total limit of $68,300 of available credit. My question is, is it worth the hard pull on my credit report , my credit score is in the the low to mid 800’s

Top answer

1 of 5

Every 6 months you should be doing a credit line increase. Majority of the time they are soft pulls, not hard pulls.

2 of 5

They use to all be automatic but i did call them and ask and they said that they would have to do a pull

reddit.com › r › NavyFederal › comments › 1q1q1ro › big_limit_credit_increase

Big Limit Credit Increase : r/NavyFederal

Community for users of Navy Federal Credit Union to discuss banking with NFCU. This is not an official community for NFCU.

reddit.com › r/navyfederal › navy federal credit limit increase

r/NavyFederal on Reddit: Navy Federal Credit Limit Increase

October 16, 2025 -

I waited 3 months and 3 statements before applying for a credit limit increase I also did it through the manage card request for a soft pull. Haven’t heard any word back yet does anyone know when will I hear back?

Top answer

1 of 5

WHAT’S THE 91/3 RULE Lots of people new to NFCU or maybe have been members for a while but never explored the credit card side of things may have heard/seen the “91/3 rule” being mentioned here and there and wondered what it is. Simply put, the 91/3 rule is waiting 91 days and 3 statements between new personal unsecured credit card applications at NFCU from the date of approval (NOT application!). It’s also 91/3 from the date of approval for the first CLI on an existing personal NFCU credit card, then all subsequent CLIs on that card are every 6 months (182 days) thereafter. If you have multiple cards, the 91/3 rule applies to each of them individually. Some notes on 91/3: You can apply for a new credit card AND request a CLI on an existing card(s) after 91/3, UNLESS you’ve already received a CLI on your existing card(s), then you have to wait 6 months as stated above. The advice is to apply for the new card, then the CLI on the existing card(s) in that order, but both can be done at the same time. The rule used to be that the 3 statements had to be FULL statements; however, that seems to have changed recently as several members have been approved for new cards and/or CLIs with just 3 statements, even if the first one was a partial or short statement. Although many have been successful at getting approved for a new card and/or CLI exactly ON day 91, the best advice is to wait until at least day 92 or after to ensure you are meeting NFCU’s 91 day requirement. There have been a few cases where people have gotten approved for multiple cards at the same time or before the 91 day mark. THESE ARE EXCEPTIONS, NOT THE RULE! We don’t work for NFCU and don’t know the specific processes/procedures/rules, the members’ specific circumstances or credit profile info, or how NFCU applied those processes/procedures/rules to those members’ applications. But again, these are very rare examples and shouldn’t be considered normal. The 91/3 rule is definitely applicable in almost all cases. Although each unsecured card has a max limit, don’t expect NFCU to approve CLIs of more than $8,000. Your CLI can be 3x your current credit limit up to $8,000 (whichever is less). **NOTE: YOU CANNOT REQUEST A SPECIFIC AMOUNT FOR YOUR CLI REQUEST 6. The 91/3 rule DOES NOT apply to the nRewards secured card! You can apply for an unsecured card at any time following nRewards card approval; however, whether you get approved or not depends on how significantly your credit profile has improved since you qualified and got approved for the nRewards card. EXAMPLE: If you ONLY qualified for the nRewards because your credit profile is weak and needs work, then you will likely get denied for an unsecured card if you applied shortly after because there hasn’t been enough improvement or time to improve your credit in that short amount of time. 7. If/when your nRewards secured card graduates to the cashRewards unsecured card, NFCU counts that as your first CLI on your new unsecured card. That means your next CLI can’t be requested until the 6-month mark and then every 6 months for all future CLIs. I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

2 of 5

From past personal experience and others’ examples, I’d estimate 1-3 business days if it went to review. Sometimes you’ll see your credit limit increase in the available credit amount before you hear back.

reddit.com › r/navyfederal › credit limit increase under review

r/NavyFederal on Reddit: Credit Limit Increase Under Review

June 15, 2025 -

Hey yall quick question I submitted my request for a credit limit increase and receive this message .. does this mean it was deny ? if deny how long should I wait till request again ? Today was the 182nd day from the last increase aswell..

Top answer

1 of 5

Doesn’t necessarily mean denial I got that message and looked the next day and CLI approved

2 of 5

Same thing happened to me and then all of a sudden about a week later they increase my limit

reddit.com › r › NavyFederal › comments › 1q1ftds › my_new_credit_limit_increase_as_a_22yo

My new credit limit increase as a 22yo : r/NavyFederal

Community for users of Navy Federal Credit Union to discuss banking with NFCU. This is not an official community for NFCU.

reddit.com › r/navyfederal › new at navy federal. should i do a credit limit increase or apply for a new card

r/NavyFederal on Reddit: New at Navy Federal. Should I do a credit limit increase or apply for a new card

September 3, 2024 -

Balance looks up because of labor day but you can see available credit.

I've been with Navy Fed for 90ish days today. I have the blue amex CC with a $4600 limit that I had applied for thru the app so it was a soft inquiry. This will be my 3rd statement tomorrow. Current balance - $87. Or 1.9%. I have 1 secured loan of $500 with 90% paid off. Regular check and savings. I feel like I'm eligible for a way higher limit if I apply but I don't know if I should just apply with a hard inquiry via phone for a new card to get the increase+higher starting limit or just grind this card. If that makes sense

Fico 8 - 810+ on Experian, Equifax and Transunion

Seeking advice

Top answer

1 of 5

Why not both?

2 of 5

I would just ask for a limit Increase unless you’re going for the flagship rewards card, because the Amex rewards card trumps all the rest of them.

reddit.com › r › NavyFederal › comments › 1o62urs › credit_limit_increase

r/NavyFederal - Credit limit increase

Community for users of Navy Federal Credit Union to discuss banking with NFCU. This is not an official community for NFCU.

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reddit.com › r/navyfederal › when should i ask for a credit limit increase… and how can i utilize this card to build my credit back up

r/NavyFederal on Reddit: When should I ask for a credit limit increase… and how can I utilize this card to build my credit back up

January 29, 2025 -

My credit score is a not the best, but I got approved for this card. What’s the best way to utilize this card to not only get an increase but also raise my credit score?

Also when would be an ideal time to request a credit limit increase? I just got approved for the card in the 26th.

What patterns should I follow to ensure a credit increase? Any advice would be helpful. Really thing to improve my credit score with the hopes of buying a home in the next year or so.

Top answer

1 of 4

Read up on the 91/3 rule.

2 of 4

Congrats on getting a gr8 card :)

reddit.com › r/navyfederal › credit limit increase approved

r/NavyFederal on Reddit: Credit limit increase approved

May 8, 2025 -

I was approved for a credit limit increase about an hour ago but it hasn't updated in the app.. 👀 Is this normal? Has this happened to anyone else ?

Top answer

1 of 5

Yes, it's normal. If you were approved, you were approved.

2 of 5

Yeah I didn't see the adjustment until the next day for me

reddit.com › r/navyfederal › increase credit limits

r/NavyFederal on Reddit: Increase Credit Limits

September 30, 2024 -

I was wondering the max I can ask for on the Navy Fed app. I know that you can only ask every 3 months for a higher limit. But I asked again for a 5k increase, wondering what the limit is.

Top answer

1 of 5

3x your current credit limit or a max of $8K.

2 of 5

Yup, 3x or 8k max. You can ask after 3 months (91/3 Rule) for your first CLI, After that CLI you wait 180+ Days

reddit.com › r › NavyFederal › comments › 1ngabqo › did_my_credit_limit_increase_get_approved

did my credit limit increase get approved? : r/NavyFederal

Community for users of Navy Federal Credit Union to discuss banking with NFCU. This is not an official community for NFCU.

reddit.com › r/navyfederal › how long does it take for a credit limit increase to be reviewed before seeing it reflect?

r/NavyFederal on Reddit: How long does it take for a credit limit increase to be reviewed before seeing it reflect?

February 20, 2025 -

I applied for a credit limit increase yesterday in app after 91 days, haven’t seen anything yet. Whats the wait time since I know they changed the structure of increases?

Top answer

1 of 6

About 2 business days, max.

2 of 6

When I applied for my CLI, I got a "request being reviewed" and then 2 days later I saw the CLI in the app. No followup email or response to my request, just the update in the app.

reddit.com › r/navyfederal › navy federal online credit limit increase

r/NavyFederal on Reddit: Navy Federal online credit limit increase

April 21, 2023 -

I'm curious on how to request a credit limit increase on the navy federal app so I don't receive a hard pull, and how much should I request for? I just crossed over the 3 statement mark, but will probably wait another 10 days or so before requesting a limit increase to increase chances. (navy federal platinum card $500 limit, internal score 261, e-checking, share savings account, 2 certificates open )

Top answer

1 of 5

758 score, Applied for new card* Flagship AMEX, auto accepted at 20k, immediately asked for CLI from my 6k to 14k total, auto accepted on app. (must wait 6 months between) if navy credit limit is 5k or under, ask for 3x limit. If over 5k as for 8k increase so 8+5+13k

2 of 5

In the app select the card. Just under the make payment button select manage card. Select increase credit limit. Follow the prompts. Navy CLI requests through the app are soft pull EQ9. As far as amount, the max CLI Navy will approve in one shot is still the lesser of 3x your credit limit or $8K based on recent DP’s. Doesn’t hurt to ask for the max. Navy will counter offer for a lesser amount if they can’t approve the full thing.

reddit.com › r › NavyFederal › comments › 1moq8b4 › how_long_does_a_credit_limit_increase_take

How long does a credit limit increase take? : r/NavyFederal

Community for users of Navy Federal Credit Union to discuss banking with NFCU. This is not an official community for NFCU.

reddit.com › r/navyfederal › just received my second credit limit increase

r/NavyFederal on Reddit: Just received my second credit limit increase

January 24, 2025 - Second credit limit increase! ... Community for users of Navy Federal Credit Union to discuss banking with NFCU.

reddit.com › r/navyfederal › credit limit increase…???

r/NavyFederal on Reddit: Credit limit increase…???

January 14, 2025 -

Okay, so I got this card back in October 23, 2024. My credit limit then was at $11,500. I was planning to ask for a credit limit increase at around Feb-Mar or maybe apply for a CC with a different bank. However, I just looked at my credit limit and it suddenly increased to $14,000???

Does this mean I can’t ask for a credit increase in feb/march since this is basically a CLI even if i didn’t request it? Or would I still be able to ask for a CLI using the 91/3 rule since I first got the card?

My credit score is 735 and spend an around $1200-1700 monthly on the card. Always paid on time.

Top answer

1 of 7

Sounds like you got an auto CLI. You'd be eligible in 182 days from that last CLI.

2 of 7

WHAT’S THE 91/3 RULE Lots of people new to NFCU or maybe have been members for a while but never explored the credit card side of things may have heard/seen the “91/3 rule” being mentioned here and there and wondered what it is. Simply put, the 91/3 rule is waiting 91 days and 3 statements between new personal unsecured credit card applications at NFCU from the date of approval (NOT application!). It’s also 91/3 from the date of approval for the first CLI on an existing personal NFCU credit card, then all subsequent CLIs on that card are every 6 months (182 days) thereafter. If you have multiple cards, the 91/3 rule applies to each of them individually. Some notes on 91/3: You can apply for a new credit card AND request a CLI on an existing card(s) after 91/3, UNLESS you’ve already received a CLI on your existing card(s), then you have to wait 6 months as stated above. The advice is to apply for the new card, then the CLI on the existing card(s) in that order, but both can be done at the same time. The rule used to be that the 3 statements had to be FULL statements; however, that seems to have changed recently as several members have been approved for new cards and/or CLIs with just 3 statements, even if the first one was a partial or short statement. Although many have been successful at getting approved for a new card and/or CLI exactly ON day 91, the best advice is to wait until at least day 92 or after to ensure you are meeting NFCU’s 91 day requirement. There have been a few cases where people have gotten approved for multiple cards at the same time or before the 91 day mark. THESE ARE EXCEPTIONS, NOT THE RULE! We don’t work for NFCU and don’t know the specific processes/procedures/rules, the members’ specific circumstances or credit profile info, or how NFCU applied those processes/procedures/rules to those members’ applications. But again, these are very rare examples and shouldn’t be considered normal. The 91/3 rule is definitely applicable in almost all cases. Although each unsecured card has a max limit, don’t expect NFCU to approve CLIs of more than $8,000. Your CLI can be 3x your current credit limit up to $8,000 (whichever is less). The 91/3 rule DOES NOT apply to the nRewards secured card! You can apply for an unsecured card at any time following nRewards card approval; however, whether you get approved or not depends on how significantly your credit profile has improved since you qualified and got approved for the nRewards card. EXAMPLE: If you ONLY qualified for the nRewards because your credit profile is weak and needs work, then you will likely get denied for an unsecured card if you applied shortly after because there hasn’t been enough improvement or time to improve your credit in that short amount of time. If/when your nRewards secured card graduates to the cashRewards unsecured card, NFCU counts that as your first CLI on your new unsecured card. That means your next CLI can’t be requested until the 6-month mark and then every 6 months for all future CLIs. I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

reddit.com › r/navyfederal › credit limit increased!

r/NavyFederal on Reddit: Credit Limit increased!

July 23, 2024 -

Have had my Amex since mid April, got approved originally for 24,700 and I requested a credit line increase of 8K yesterday morning and my limit increased later that night. I waited about 92 days and had my first 3 statements already on file. Really happy with this! Hoping to build it more from here! Cheers!

Top answer

1 of 5

Congrats! Hoping to get an increase on mine come September.

2 of 5

Congrats!! Use it wisely!

reddit.com › r/navyfederal › credit limit increase?

Credit limit increase? : r/NavyFederal

April 22, 2024 - You have to wait a minimum of 91 days and three full statements before you can ask for the first credit limit increase and apply for your next card. All other increases on that card you have to wait 6 months which is 182 days. I never waited around for Navy Federal to get off the couch and ...