I don't want to go to crazy and I definitely don't want to add a TON of inquiries but here is what I am wanting to add/do and I need you guys/gals help to help me make sense as to adding which when so I don't just app for them all at once lol. My next 'big purchase' will be in May/June 2021 so that will give plenty of time for the 6 months to pass after opening whatever/allever lol.
-I know I want to Open a NFCU account later this year (likely June)
-I know I want to add Synchrony's Car Care CC and (Care Credit this card will replace the crappy one I got by mistake) (After May but I may do this when I open the NFCU so keep the inquiries at the same time/month)
-I know I would like to open Citi Double Cash or Rewards+ Card to add a MC to the mix ((if any of the other is a good MC I won't probably need either))
-I know I would like to open a Platinum or CashReward or More Reward from NFCU when the opt in time is right (probably the 91/3 or whichever it is after opening but I'm still stuck on which one of those ....So as you can see it's a LOT on my plate of TO DO lol.
Why not apply for Navy membership now? It should be SP TU to join. Let your account marinate until you apply for a CC product.
Right this moment I still have high UTL so I am worried that will affect their decision. 
@Girlzilla88 wrote:Right this moment I still have high UTL so I am worried that will affect their decision.
You're not applying for credit. Thus, I would think score would be irrelevant.
If that's the case I may join next month LOLOLOL
The longer you wait, the shorter your length of membership will be. I think membership length counts a lot for Navy.
They are open 24/7/365+1 for leap year. Call should take about 15-20 minutes. Longer if you want to chit chat with the csr.
Now to figure out the rest XD
@Girlzilla88 wrote:Right this moment I still have high UTL so I am worried that will affect their decision.
It won't. Their decision for membership is off of your EWS report and your eligibility.