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some other factors that may help you out with getting a higher credit limit with Navy Federal is you can get a pledge loan a pledge loan and pay it down at least 80 percent thats one way that you can get a higher credit limit another way that you can get a higher credit limit is by getting a flagship checking account that is super important if you get a flagship checking account you can probably qualify for the flagship rewards card and one way that you can be sure that you actually qualify for this card is by using the pre-approval tool on navyfederal.org when you use the pre-approval tool youll be able to see the cards that you are eligible for so that is one thing that you want to do