Navy Federal Credit Limit Increase Soft Pull - Current limit is $25,000 (my starting limit from 8+ years ago), and i would like to ask for a 20% increase (to $30,000). Is that a reasonable request? If you just got it in january you're definitely eligible for your first credit limit increase. You have to wait a minimum of 91 days and three full statements before you can ask for the first credit limit. It has always been policy that if you request a credit limit increase, it can result in a hard inquiry on your credit. The current cli maximum seems to be $8k at the moment. If they won't give you the whole $8k cli, they'll give you the maximum you can. Does anyone know if navy federal does a hard pull for a cl increase? Also when i go to apply online for a cl increase it tells me to put in an amount. Current limit is $7,000. On a new card you can request a cli after 91 days and three full statements. After the first approved cli, it is 6 months or 181 days since last approved cli before you. Like many credit card issuers, navy does a soft pull of your credit every month. If the system deems you eligible for a cli, it will offer you one without a hard inquiry. Remember that it’s not guaranteed you will be granted one. Hi, i don’t really ask for credit limit increases. They’re more just given. Last one was about 8 months ago with navyfed. If i do so on the app it’s a soft pull? I’m at $3,500 right now but i. When a third party wants to review your creditworthiness or payment history but isn’t doing so to decide whether they should grant you a line of credit, it’s considered a soft. Some will soft pull but offer to hard pull if you want to appeal it for a higher limit. Sometimes, it depends on how you ask for it. I've heard that navy fcu will hard pull if you call. I have a cash rewards card with a 2,000 credit limit. It recently was upgraded from the secured card and i wanted to know if i should request a credit limit increase and will it be a soft pull or a.
Current limit is $25,000 (my starting limit from 8+ years ago), and i would like to ask for a 20% increase (to $30,000). Is that a reasonable request? If you just got it in january you're definitely eligible for your first credit limit increase. You have to wait a minimum of 91 days and three full statements before you can ask for the first credit limit. It has always been policy that if you request a credit limit increase, it can result in a hard inquiry on your credit.