Here is what I exactly did. Month 1 : Opened Capital one Bank account and got secured cap one card $1k. Month 2 : Opened Navy Federal CU and Got Pledge loan first. Once I got Pledge loan I paid it 95% almost in a week. Then I ran preapproval tool, My surprise was almost all the cards were shown preapproved. But I didnt go for unsecured card yet as I know navy doesnt give credit card without relationship and good history with them. Month 3 : I just used $1500 out of $5k total credit limit and let it report. The reporting was going good. Month 4: Same. Month 5: Same. Month 6 (This Month ): Got it upgraded without asking.