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As I stated yesterday in your similar post, the underwriting criteria is the same for all with the exception of the Flagship card which requires a minimum $5k starting line.
Source: Me, I used to work at NFCU.
@Anonymous wrote:As I stated yesterday in your similar post, the underwriting criteria is the same for all with the exception of the Flagship card which requires a minimum $5k starting line.
Source: Me, I used to work at NFCU.
+1
I addressed this here: http://ficoforums.myfico.com/t5/Credit-Cards/NFCU-Platinum-drops-APR-to-6-74/m-p/4988748#M1457784
Note that it's not subjective, since you can freely PC from one product to another, keeping the Flagship $5k minimum in mind.