I’m so excited to share this Navy Federal $10,000 Credit Card Hack.
Most people think that they can’t get a bank account or even a credit card at Navy Federal bank, well you can.
I’m going to tell you about a hack in this post that’s not cheating or anything it’s just an algorithm.
The way it works and how you can get a Navy Federal credit card to help increase your credit score by as much as 50 points by improving your utilization of credit.
If you have a small amount of credit and you use a part of it, it ruins your credit score. So having more credit you don’t use provides so much value to your credit report.
I have exlained this and other strategies in a previous post whe taking about how i got 100 points.
Go ahead and read it now.
If you are credit challenged or you’re in the boat where you just want to improve your credit score this could really help you out.
Bad credit should not stand in the way of living your best life but unfortunately, the credit score is very important when it comes to renting or buying an apartment, insurance etc.
Here is a break down of what we will be covering today.
Navy Federal Hack – How It Works
I’m going to tell you about some awesome credit card hacks from Navy Federal Credit Union that can help move you from bad credit to a good credit score.
This includes some details on how you could get into this bank and get up to $10,000 or even more. Some people actually get up to $18,000 credit.
If you have the discipline not to spend and use that credit card, it can increase your credit score by like 50 points.
I’m going to show you how you can get in even if you haven’t served in the military for you to be part of this amazing non-profit Credit Union that’s supported by the government and gives the best rates and the best credit cards.
So before we get into the hack, let’s talk more about Credit Utilization and what it’s all about.
Credit utilization simply means the amount of money you spend from your credit. This plays a huge role in the calculation of your FICO score.
Poor credit utilization and 4 other common mistakes are the reasons why a lot of persons have bad credit. Good thing is, i have covered these in a previous article.
Read it below
Bringing down high credit utilization is one of the best ways to boost your credit score.
To do this, you need to get approved for a high-limit line of credit and keep your utilization at a minimum of about one to two per cent of the allotted limit.
This establishes trust with lenders and lets others know that offering credit or lending to you in the future won’t carry too much risk for the bank.
I know it sounds silly but it is like if they give you $100,000 and you only use $1000 well that’s only 1% but if you only have $10,000 and you use $1000 that’s about 10%.
So you want to make sure you have the highest amount of available credit and use the least.
Unfortunately, the problem with getting a high credit limit card, is that not having a great credit score will make it so difficult for you to get approved.
It’s nearly impossible but that’s where Navy Federal Credit Union comes in.
One of the main reasons this hack works so well is that the Navy Federal Union is a non-profit company that is helped by the government. They are an awesome company that has incredible customer service.
So literally they’re trying to serve you.
With all that said… let’s get started.
1. Create an Account
First and foremost you must have a Navy Federal account before you can get this credit.
Don’t worry I’m going to show you how to get that.
I’ll show you how you can get possibly approved and be able to get this credit because there are lots of ways to do it.
And I’m going to tell you a hack about what time of the day to apply for this credit which makes a huge difference.
The below video takes you through the process of creating a Navy Federal account.
If you are not a military personnel, then you should check the below video;
2. Fund Your Account
Once you have an account the next step is to make sure that you have money in both your checking account and your savings account.
I can’t say exactly how much it is because I’ve heard people get high credit cards with low balances so I guess it maybe doesn’t matter but you got to have something in your checking and your savings account.
Apparently how much you have in each may reflect the credit they give you but may not but if you can put as much as you can few hundred bucks at least something.
3. The Right Time to Apply
Make sure you apply at 11 PM. This is important.
Why is this important? As I earlier said, Navy Federal Credit Union is a very generous organization and the application process becomes easier by 11 PM because by then most of the human operators must have closed.
Hence, you’re directly dealing with the website algorithm. This means after submitting your application you don’t face any manual approval.
This makes approval easier because you won’t have to run through an actual person that can actually block the process.
Navy Federal is much more lenient in its evaluation of who it gives credit to, unlike American Express or other big credit card companies.
Navy Federal is trying to help you establish credit.
In this case, I’m advising you to take advantage of Navy Federal’s generous structure so that you can get the credit score you desire.
If you insanely want to increase your credit score, here are three articles I recommend you check out now;
- Authorized User Trick – Gain 80+ Credits Points Instantly (Guaranteed!)
- Kikoff Credit Builder!!! 500 To 618 Credit Score In 6weeks
- Common Credit Repair Scams that Can Leave You Broke or In Jail
If you appreciate the work that I do, put it in the comment section whether you got the money or you weren’t approved I’d love to know.
I want to help as many people as I can. So please also share with your loved ones and friends.
Before I wrap up I want to stress that this Navy Federal Hack is only applicable to personal credit and not business credit.