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Nothing to do with credit card approval, but I strongly agree with another poster who said to look online at James Allen and Blue Nile. I bought my wife an engagement ring from James Allen last year and I can't say enough about them. It was a little difficult making a $10,000 purchase online for something I had never held in my hands, but after months and months of exhaustive research, I went with James Allen and couldn't be happier. I took the ring to an independant appraiser on Jewelers Row in downtown Chicago and they appraised it for far more than I paid. They have financing, (although I paid cash) and offer 100% trade-in if you want to trade it in for something better in the future. I would stay far away from the mall chains who overcharge like you wouldn't believe! Good luck!!!
If you havent requested a CLI with NFCU, you could try that. Ask for 25k and they will counter. I went from $500 to 45k worth of credit with them in about a year and a half.
Hi Tim_S - Shelly here from James Allen. Just wanted to say thank so much for choosing us for your special purchase! Very happy to hear you had a positive experience! :-) If you decide to share your ring via social media, please feel free to use our hashtag #jamesallenrings ;-)