Setting up automatic payments enables you to pay a specified amount toward your credit card on the same day each month. To set them up, sign in to your online account and select the “Transfers” tab. Select the account you want to pay from and choose the credit card you want to pay. Fill out the amount, select the date and make it a recurring payment. You can assign your payment to any day between the 1st and the 28th of the month, as long as your payments aren’t past due.
If you temporarily misplace your credit card, freeze the card while you locate it. To activate, sign in to digital banking, select your credit card and click “Freeze Card.” Once you’ve found your card, unfreeze it just as easily.
Freezing your card isn't a notification that your card is lost or stolen, or that there have been unauthorized transactions on your account. It's simply a way to confirm no transactions can be made until you find your card. If your card is lost or stolen, or if you notice unauthorized transactions, please call 1-888-842-6328 immediately.
Automatic alerts are a great way to stay in the loop and protect your account. Sign up to receive alerts about things like credit card transactions or recurring payments. To set them up, sign in to your online account, click the “Account Services” tab, click "Sign Up for Account Notifications” and select "Cards" under the "Notifications" tab.
Yes, you can add up to 4 authorized users. An authorized user can make purchases on your credit card account but isn’t an account owner. They aren’t financially responsible for the account, but we notify the credit bureaus that they’re authorized to use your account.
You’ll need to provide the authorized user’s Social Security Number, date of birth, address and name to be printed on their card.
To get started, sign in to the mobile app,* call us at 1-888-842-6328 or visit a branch.
Just start spending with your card, and the cash back or rewards points will start accumulating automatically. Footnote 1
Member Deals is our online marketplace, where you can get rewards beyond what you’d get for purchasing in-store or from a retailer’s website–up to 15 points or 15% cash back per dollar spent. Footnote 2 You'll also get access to exclusive special offers, our featured Deal of the Week and free shipping from select retailers.
Sign in to online banking to submit your credit limit increase request. If you prefer, send us a secure message through online banking or call us at 1-888-842-6328.
Yes. When you submit a credit limit increase application, you'll be asked to give Navy Federal permission to obtain a consumer credit report so we can evaluate your creditworthiness.
The most common reasons for denial are listed below. However, for specific reasons, please refer to the letter we sent you informing you of the denial. If you have any questions regarding the notice you received, please send us a secure message through online banking or call us at 1-888-842-6328.
| If your letter says… | Explanation |
|---|---|
| Your Navy Federal account is too new | We like to see at least three months of on-time payments on an existing Navy Federal Credit Card account before approving an increase to its credit limit. |
| There has recently been a change to the credit limit on this account | We generally grant credit limit increases on an existing credit card account no more than once every six months. |
| Delinquent past or present credit obligations with others | Your credit report shows you’ve paid one or more creditors late. |
| Income insufficient for amount of credit requested | Based on information provided in your application, your current credit limit is appropriate given your stated income. |
| Excessive credit obligations | Your credit report shows high utilization of revolving lines. |
| Excessive credit obligations in relation to income | Your total monthly payment obligations exceed our debt-to-income standards. |
To get started on this, please send us a secure message through online banking or call us at 1-888-842-6328.
If you temporarily misplace your Navy Federal Credit or Debit Card, you can freeze it while you locate your card. Once found, you can unfreeze it in seconds on the mobile* app and continue using it as you did before. It's simply a way to ensure no transactions can be made until you find your card.
If your card is lost or stolen, or if you notice unauthorized transactions, please call us immediately at 1-888-842-6328. Simply freezing your card won't alert Navy Federal that it's lost or stolen.
If your card is lost or stolen, or if you suspect you’re a victim of fraud or identity theft, call us immediately at 1-888-842-6328 or send us a secure message through online banking. We’ll put an immediate hold on your account. You'll receive a new plastic card in the mail within 7-14 business days.
If your card is reported lost or stolen, you can get a digitally issued card sent to your email and use it immediately while you wait for the new plastic card to arrive in the mail. You can even add your new card number to your mobile wallets for contactless pay. Visit a branch or call us at 1-888-842-6328 to request a digitally issued card.
You'll receive your plastic card in the mail within 7-14 business days.
Chip-enabled cards have an embedded chip on the front, which securely transfers your account data to merchants through a chip-enabled card reader. Both the chip and the transaction are heavily encrypted. This makes it more difficult for your account to be compromised.
We offer Apple Pay® Footnote 3 , Google Pay™ and Samsung Pay® for use in stores. Digital wallets provide a secure alternative to entering your Navy Federal card information. At a register, simply wave your phone at the terminal to pay. Online, you’ll quickly sign in to avoid typing your card and contact information.
Our Zero Liability policy ensures that you won’t be responsible for reported, unauthorized transactions on your account.
A billing dispute is when you tell us you believe there's an error regarding a transaction or calculation, or when you tell us you have a concern as to the property or goods purchased with your credit card. For example, you might believe you’ve been overcharged or you haven’t received the product or service for which you paid.
A fraud claim is when you tell us you didn’t authorize a transaction appearing on your account. For example, you might believe you were charged for something you didn't authorize.
Sign in to online banking to complete our dispute form, or call us at 1-888-842-6328.
To prevent further fraudulent charges, call us immediately at 1-888-842-6328 or send us a secure message through online banking so we can put a hold on your account and discuss further details regarding your case. You may also report fraud by signing in to online banking, selecting “Account Services” and then selecting “Report Fraud” in the “Online Account Management” section.
The length of time varies. Resolution will occur within two complete billing cycles (but no more than 90 days) from the date you notify us. We’ll complete our investigation and report the results back to you.
If your account is newly opened, we won't make the balance transfer request for up to 10 days to allow you time to receive and review the disclosures that come with your new credit card. After that, it typically takes up to 14 additional days for your other financial institution to receive and process our balance transfer payment. For existing accounts, a balance transfer is typically posted to your account within 14 days after your transfer request. While waiting for your other account(s) to be paid by the balance transfer, you should continue to pay them to avoid late charges and delinquency.
It’s a benchmark interest rate used by financial institutions to set rates on consumer loan products (such as credit cards). The U.S. Prime Rate is based upon, and generally changes with, the Federal Reserve’s Fed Funds Rate. You can find the current U.S. Prime Rate in the "Money Rates" column of The Wall Street Journal.
APR (annual percentage rate) is the rate of interest you'll pay on your credit card annually.
You can find the APR on your periodic credit card statements for that billing period or via digital banking.
Your variable Standard APR is determined and adjusted on the first business day of each month by adding a Margin to the U.S. Prime Rate published in The Wall Street Journal on the first day of the previous month. Your Margin is a percentage amount that we determine based on an evaluation of your credit history. Your cash advance rate is 2% higher than your Standard APR, but will not exceed the highest rate permitted by law. Currently, APRs for federal credit union loans are capped at 18%.
For example: If the U.S. Prime Rate is 4.00% and your Margin is 9.00%, then your variable APR for purchases, balance transfers and convenience checks will be 13.00% APR (4.00% U.S. Prime Rate + 9.00% Margin = 13.00% APR). Your APR for cash advances will be 15.00% APR (4.00% U.S. Prime Rate + 9.00% Margin + 2.00% cash advance added rate = 15.00% APR).
Interest is applied to your account on your statement closing date, which is the last day of your billing cycle. Your payment due date is 25 days after the close of your account's billing cycle. If you pay the New Balance on your monthly billing statement by the due date each month, you won't be charged interest on your purchases. For cash advance, balance transfer and convenience check transactions, interest is assessed from the date the transactions post to your account.
A contactless card uses tap-to-pay technology that allows for close-range, contactless transactions at checkout. The card still has a magnetic strip and chip for traditional purchasing methods if contactless payment terminals aren't available at a particular merchant.
To conduct a contactless, tap-to-pay transaction, tap or hold your card 2 inches or less from the Contactless Symbol on the terminal, and encrypted card information will be transferred between the card and the reader. Some merchants may ask you to sign for the purchase or enter your PIN as well. Your purchase should be completed in seconds.
Look for the Contactless Symbol on your card and the chip reader. If contactless payment isn’t available, you can still swipe or insert your card into the chip reader to make your purchase.
You might also see contactless purchasing described as: Wave and Go, Tap to Pay and Swipe Free Shopping.
Today’s contactless cards with chip technology use a secure microprocessor that generates a unique cryptographic code that changes for every transaction, just like chip cards. The contactless technology cannot be read much more than 2 inches away, so it's unlikely card information can be unknowingly captured from your card when using the contactless terminal. Just make sure you have only one contactless card near the terminal.
There's no additional fee associated with contactless purchasing.