It was the nRewards. My scores were in the low 600s because of my credit utilization, but that is around 50 percent now (unreported, but 70 percent at time of app). I had a lot of recent Equifax pulls because of utilities from my new apartment. I have a good income, $70k and I have had an account with Navy Federal for 10 years. I have never used their checking - I use USAA for everything. It was not an instant approval, it was manual, and it came with 17% rate so I won't use the card for a balance. I'm going to keep it for major cash purchases and to keep my credit utilization low.