I contacted Navy Federal by email inquiring about who I should contact about lowering my credit card interest rate. Instead of replying with the information I asked for, they took it upon themselves to do a credit check on me (without my permission) and then denied me an interest rate reduction. Furthermore, they raised my credit card limit by $2000 during the same time that I was inquiring about an interest rate reduction. They wouldn't lower my interest rate at my request, but decided to increase my credit limit on their own? This is not the Navy Federal that I signed up with a few years ago. read full review »