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and this is a very important question so when you try to do a credit limit increase with navy fed if you call up the representative on the phone you will get a hard pull so a way to avoid the hard part with navy fed to get that credit limit increase is you go to the mobile app and go under car management on your credit card and it would be right there increased credit limits so yeah thats basically all you do you just update your you know basic info update your income and thats it yall have a good day the hood rich way im gone