How is my daily credit limit calculated? Your credit limit can update daily through our dynamic account review process. It’s influenced by the balance and activity in your repayment account. In simple terms, the more funds and activity you have in your linked repayment account, the higher your credit limit can be.

What can I do to increase my daily credit limit? You can influence your maximum daily credit limit by taking these steps:

Choose the business bank account with the highest balance as your linked repayment account.

Use your Nav Prime Card, and repay your outstanding balance at the end of each day. Autopay is a built-in feature that helps ensure you consistently pay on time. As you use your card, we’ll continuously assess whether you qualify for a higher daily limit. 

Avoid negative balances on your Nav Prime Card, which occur when you miss a payment. Negative balances can ultimately result in a lower daily limit. 

Use Nav Business Checking as your repayment account to unlock instant repayments and eliminate standard payment processing times. When you use Nav Business Checking, your full daily credit limit will reset each day. On the other hand, using a non-Nav bank account causes a delay of 3 to 5 days for payments to settle due to standard processing times. This means your full daily limit won’t be available to use until your payment settles.

1. Choose the business bank account with the highest balance as your linked repayment account.
2. Use your Nav Prime Card, and repay your outstanding balance at the end of each day. Autopay is a built-in feature that helps ensure you consistently pay on time. As you use your card, we’ll continuously assess whether you qualify for a higher daily limit. 
3. Avoid negative balances on your Nav Prime Card, which occur when you miss a payment. Negative balances can ultimately result in a lower daily limit. 
4. Use Nav Business Checking as your repayment account to unlock instant repayments and eliminate standard payment processing times. When you use Nav Business Checking, your full daily credit limit will reset each day. On the other hand, using a non-Nav bank account causes a delay of 3 to 5 days for payments to settle due to standard processing times. This means your full daily limit won’t be available to use until your payment settles.

Nav Technologies, Inc. is a financial technology company and not a bank. Banking services provided by Thread Bank, Member FDIC. The Nav Visa® Business Debit Card and the Nav Prime Charge Card are issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa cards are accepted. See Cardholder Terms for additional details.