@dericsells: The Navy Federal **"Relationship Hack"** is real, but most people do it wrong and end up with a $500 limit instead of that **$25,000 bag**. 🤯💳 Navy Federal is a relationship-based credit union. They don't just look at your FICO; they look at your **Internal Score**. Here is the step-by-step **Deric Math** to force their hand and get that high-limit approval in just 90 days: 1️⃣ **Direct Deposit:** Even if it’s just $50 from your paycheck, it shows consistent "income" flowing into their ecosystem. 2️⃣ **The $100 CD:** Open a Certificate of Deposit. It shows you’re a "saver," not just a "spender." 3️⃣ **Authorized User:** Get added to a seasoned Navy Fed card. This links your profile to their history. 4️⃣ **The Pledge Loan:** This is the **SECRET SAUCE**. You borrow your own $250–$500, pay back 90% immediately, and let the rest auto-pay. It creates a "perfect" installment loan history overnight. 🏗️📈 5️⃣ **OOPS (The 3rd Month):** Sign up for Optional Overdraft Protection. It tells their system you trust them with your daily banking. 6️⃣ **The Pre-Qualify:** On day 91, run the pre-qualifier. If it shows the **More Rewards** or **Flagship**, the $25k bag is waiting. 💰✨ **The Real Talk:** If your credit is "bad" because of repos or collections, Navy Fed might still side-eye you. Use **Consumer Law** to scrub the negatives while you build this relationship so when you hit that "Apply" button, it’s a guaranteed **YES**. 🧼🏎️💨 ### 🚀 GET THE $25K NAVY FED BAG ⚠️ **INBOX IS EXPLODING!** If you want the full blueprint to navigate the Navy Federal internal system and hit that 700+ score, do not wait... 🔗 **CLICK THE LINK IN MY BIO TO START NOW!** 🔗 🔥 Comment **#CREDIT** and I’ll DM you the "Internal Score" checklist! 💸 Drop a **"hundo"** and I’ll DM the link to maximize your tax refund so you have the capital to start! 🏗️ Drop **"PLEDGE"** to learn how to set up the perfect Navy Federal loan! #dericsellscars #navyfederal #creditunion #highlimit

DericSellsCars
DericSellsCars
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Thursday 09 April 2026 03:04:57 GMT
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lovelymimi_mk
lovelymimi_mk :
I did the pledge loan for 250 paid it off then applied for the credit card got approved for 9800 with low credit now working to get credit higher to request an increase
2026-05-13 20:13:54
1357
sir_andretti
Andretti Corleone :
Telling ppl with bad credit to go apply for a 25k credit card is diabolical 😭
2026-05-05 20:48:20
947
muneka07
Muneka :
I have three credit cards with them and a car loan. I’ve been with them a little over two years. Highest credit limit is $44,000. The other card is $32,000. Lowest limit is $3k on an Amex. It can totally be done!
2026-04-13 03:35:26
1247
deeliciousdecorandmore
Deadrian Williams :
I got an account with navy federal and 2 months later I got a 15,000 credit card and my score is a lil over 600
2026-04-15 19:29:47
56
ashnford
Ash | BSN Student🩺 :
I’ve been with Navy Fed since 2015. Never had a credit card and have decent credit. They denied me last year 🙃 they don’t care about the relationship you have with them at all.
2026-04-15 03:13:37
305
jjpazz
jjpazz :
Got 25k credit limit at 19, prolly cus im in the military tho
2026-05-15 16:44:47
125
bleachblondebeachbum
🦆Pretty Britty ♡ :
Lies! Don’t ever finance a car with them either. I’ve had mine for five years and I still owe the same thing on it and it was a six year loan.
2026-04-10 16:14:55
542
mysticash777
Ashole ✌️ :
opened a checking and savings and $200 secured credit card and SIX pledge loans since June 2025... my pledge loans started last year and already paid them off. added my veteran husband as an authorized user... Still... I can't get approved for anything. my credit score is a 642. I tried applying in between 12am -3am. I tried applying during the day... this is complete bullshit.
2026-05-08 11:57:47
26
lex_wrath
Acrasia :
785 score here and I still can’t get approved for that much, never missed a payment either
2026-05-18 16:52:45
8
yhlelele
yhlelele :
I messed up w them years ago and I wanna cry just thinking about it 😭
2026-04-13 07:47:12
40
bighumdawg
Diesel :
Yeah you look mighty trustworthy 🥸
2026-04-13 02:18:31
62
niya.noiree
niya.noiree :
Liesss, NFCU is horrible
2026-04-13 14:25:34
39
k_stacks89
K$tacks :
I love Navy Federal but I’ll soon be refinancing my car through my Job’s bank, BECU. $130 cheaper than Navy Federal
2026-05-06 17:15:06
12
grumpybutts
grumpybutts 🐈 :
I was a SAHM for 5 years with no income coming in besides random PP or mercari transfers from selling stuff. approved me right away for an AMEX with 25k limit 😂
2026-05-13 05:46:01
10
onebabycap
stay down :
Def possible they gave me 9k at 18 no credit history
2026-04-13 14:26:14
29
captainyoruichi
Captain Yoruichi :
if you need $25k getting it with a credit card is probably the worst way you could do it
2026-05-20 19:27:34
7
cheramye.white
Coachdoitnow :
They denied me because I had a bankruptcy
2026-04-16 23:05:59
5
userxvwqlwlgtq
Digiorno :
Don’t you need to know someone
2026-04-15 09:37:16
9
mrsariesbaby326
Mrs.Aries.Baby :
They wouldn't even approve me for a secured card lol but I'm a recent bankruptcy recipient... they don't fool around with us I guess.
2026-04-15 21:21:07
6
nakia.gaynor
nakia.gaynor ❌ :
I think I’m totally screwed. I had two accounts with Navy Federal. One of them has been charged off for not paying back on my overdraft. I still have one account in good standing.
2026-05-07 14:37:43
6
leepaynejr4
Lee Payne jr :
Prove it
2026-04-10 22:13:34
7
natasha.johnson030
natasha johnson :
info please
2026-04-11 05:20:11
5
shewatchedit
SheWatchedIt :
I was with them less than a year and got a 50k loan i used to consolidate all my debt … it’s def possible.
2026-04-15 13:49:23
5
trvp_brazy
Trvp brazy :
We’ll see imma try
2026-05-17 17:24:50
1
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