I went ahead and applied with another NFCU credit card, but also including my husband as a coapplicant. This was the gorewards mastercard (first one I applied for was nrewards visa) and we got approved for that one too! I opened by orchard in July for $500, haven't used it yet. should I just go ahead and close it anyway? Or keep it just to have it building with my two new ones? My new card has a $4000 CL. Thanks! It's been a very good day!