It takes 1-2 business days to get approved for a Navy Federal credit card limit increase after requesting it. Remember that it’s not guaranteed you will be granted one.
Navy Federal will also periodically review your account to see if you’re eligible for it. If you accept their offer, your credit will be increased instantly.
Your best chances of getting a credit limit increase are if you’ve been paying your bills on time and in full for at least 3 months or if your credit score and income have improved since opening your account.
Keep in mind that a request to increase your limit could result in a hard pull on your credit, which may lower your credit score for a short period of time. When you’re offered an increase, it will only result in a soft pull and it won’t affect your score.
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